Home Insurance in Purvis, Mississippi
Homes in Purvis carry a median value of $168,100 - 25% lower than the Lamar County median.
The typical home in Purvis was built around 1979. About 18% of homes were built before 1960, about 13 points above Lamar County's 5%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Purvis, the housing stock is 84% single-family homes, 8% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
46% of owner-occupied homes in Purvis carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Purvis are owner-occupied.
In Purvis, 72% of homes are primarily heated with electricity.
Lamar County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Lamar County had 265 active NFIP flood policies as of September 2026. See the full Lamar County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Mississippi is $2,029 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $168,100 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Lamar County | 265 |
| 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)