Home Insurance in Jones County, Mississippi
Homes in Jones County carry a median value of $143,100 - 16% lower than the Mississippi median.
The typical home in Jones County was built around 1981. About 18% of homes were built before 1960, about 4 points above Mississippi's 14%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jones County is 70% single-family homes, 6% apartments in buildings with 5+ units and 21% mobile or manufactured homes.
About 38% of owner-occupied homes in Jones County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 75% of occupied homes in Jones County are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Jones County - 64% - are primarily heated with electricity.
Per FEMA's National Risk Index, Jones County's top hazards are tornado (Relatively High), hurricane (Relatively Moderate) and strong wind (Relatively High).
As of September 2026, Jones County has 221 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Mississippi is $2,029 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $143,100 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Hurricane (Relatively Moderate), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 221 |
| Home insurance premium | $2,029 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)