Home Insurance in Lauderdale County, Mississippi
With a median home value of $133,300, Lauderdale County is 21% lower than the Mississippi median.
The typical home in Lauderdale County was built around 1979. About 20% of homes were built before 1960, about 5 points above Mississippi's 14%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lauderdale County is 64% single-family homes, 11% apartments in buildings with 5+ units and 16% mobile or manufactured homes.
48% of owner-occupied homes in Lauderdale County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lauderdale County has an owner-occupancy rate of 65% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Lauderdale County - 70% - 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.
FEMA's National Risk Index lists tornado (Relatively High), hurricane (Relatively Moderate) and earthquake (Relatively Low) as the leading hazards for Lauderdale County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Lauderdale County had 434 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 | $133,300 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Hurricane (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 434 |
| 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)