Home Insurance in Lawrence County, Mississippi
With a median home value of $100,000, Lawrence County is 41% lower than the Mississippi median.
The typical home in Lawrence County was built around 1982. About 11% of homes were built before 1960, about 3 points below 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 Lawrence County is 66% single-family homes, 1% apartments in buildings with 5+ units and 31% mobile or manufactured homes.
About 29% of owner-occupied homes in Lawrence County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Lawrence County are owner-occupied.
Most homes in Lawrence County - 64% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hurricane (Relatively Low), hail (Relatively Low) and tornado (Relatively Low) as the leading hazards for Lawrence County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Lawrence County has 59 active NFIP flood policies on file.
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 | $100,000 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Hail (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 59 |
| 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)