Home Insurance in Scooba, Mississippi
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Scooba was built around 1979. About 21% of homes were built before 1960, about 8 points above Kemper County's 13%.
In Scooba, the housing stock is 50% single-family homes, 9% apartments in buildings with 5+ units and 17% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Scooba, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Scooba has an owner-occupancy rate of 61% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
Most homes in Scooba - 82% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Kemper County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Kemper County had 2 active NFIP flood policies as of September 2026. See the full Kemper 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 year built | 1979 |
|---|---|
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Kemper County | 2 |
| 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)