Home Insurance in Sumrall, Mississippi
With a median home value of $206,800, Sumrall is 8% lower than the Lamar County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Sumrall was built around 2000. About 15% of homes were built before 1960, about 11 points above Lamar County's 5%.
In Sumrall, the housing stock is 97% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
67% of owner-occupied homes in Sumrall carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 88% of occupied homes in Sumrall are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
76% of homes in Sumrall 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 | $206,800 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)