Home Insurance in Laurel, Mississippi
The median home value in Laurel is $125,800, 12% lower than the Jones County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Laurel was built around 1969. About 33% of homes were built before 1960, about 14 points above Jones County's 18%.
In Laurel, the housing stock is 78% single-family homes, 10% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% of owner-occupied homes in Laurel carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Laurel has an owner-occupancy rate of 63% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Laurel - 50% - are primarily heated with electricity.
Jones County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Jones County had 221 active NFIP flood policies as of September 2026. See the full Jones County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Mississippi, the statewide average premium for a standard HO-3 homeowners policy is $2,029 per year (NAIC, 2023 data).
Key figures
| Median home value | $125,800 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)