Home Insurance in Ellisville, Mississippi
The median home value in Ellisville is $99,500, 30% lower than the Jones County median.
The typical home in Ellisville was built around 1980. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 21% of homes were built before 1960, about 3 points above Jones County's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ellisville is 78% single-family homes, 7% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
In Ellisville, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 55% of occupied homes in Ellisville are owner-occupied.
Most homes in Ellisville - 75% - are primarily heated with electricity.
Jones County had 221 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Jones County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Mississippi carries a statewide average premium of $2,029 per year.
Key figures
| Median home value | $99,500 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Jones County | 221 |
| Home insurance premium | $2,029 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- 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)