Home Insurance in Meridian, Mississippi
The median home value in Meridian is $107,900, 19% lower than the Lauderdale County median.
The typical home in Meridian was built around 1969. About 31% of homes were built before 1960, about 11 points above Lauderdale County's 20%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Meridian breaks down to 62% single-family homes, 19% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
52% of owner-occupied homes in Meridian carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 49% of occupied homes in Meridian are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
60% of homes in Meridian are primarily heated with electricity.
Lauderdale County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Lauderdale County had 434 active NFIP flood policies as of September 2026. See the full Lauderdale 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 | $107,900 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Lauderdale County | 434 |
| 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)