Home Insurance in New Hebron, Mississippi
Homes in New Hebron carry a median value of $98,800 - close to the Lawrence County median.
The typical home in New Hebron was built around 1962. About 46% of homes were built before 1960, about 35 points above Lawrence County's 11%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in New Hebron is 91% single-family homes and 7% mobile or manufactured homes.
50% of owner-occupied homes in New Hebron carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
New Hebron has an owner-occupancy rate of 79% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
In New Hebron, 53% of homes are primarily heated with natural gas.
FEMA rates Lawrence County's overall risk as Very Low, led by hurricane (Relatively Low). Lawrence County had 59 active NFIP flood policies as of September 2026. See the full Lawrence County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Mississippi, the statewide average premium for a standard HO-3 homeowners policy is $2,029 per year (NAIC, 2023 data).
Key figures
| Median home value | $98,800 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Lawrence County | 59 |
| 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)