Home Insurance in Oxford, Mississippi
The median home value in Oxford is $385,700, 22% higher than the Lafayette County median.
The typical home in Oxford was built around 2000. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 8% of homes were built before 1960, in line with Lafayette County (7%).
In Oxford, the housing stock is 51% single-family homes and 33% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
53% of owner-occupied homes in Oxford carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 43% of occupied homes in Oxford are owner-occupied. The vacancy rate is 40%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Oxford, 58% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Oxford? FEMA's National Risk Index points to earthquake (Relatively Low) in Lafayette County and Lafayette County had 189 active NFIP flood policies as of September 2026. See the full Lafayette County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $385,700 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Lafayette County | 189 |
| 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)