Home Insurance in Kemper County, Mississippi
Homes in Kemper County carry a median value of $99,600 - 41% lower than the Mississippi median.
The typical home in Kemper County was built around 1979. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 13% of homes were built before 1960, about 1 point below Mississippi's 14%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kemper County is 71% single-family homes, 2% apartments in buildings with 5+ units and 22% mobile or manufactured homes.
In Kemper County, about 24% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Kemper County has an owner-occupancy rate of 79% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Kemper County, 52% of homes are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively Low), tornado (Relatively Low) and earthquake (Very Low) as the leading hazards for Kemper County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Kemper County had 2 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $99,600 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Tornado (Relatively Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 2 |
| 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)