Home Insurance in Leake County, Mississippi
Homes in Leake County carry a median value of $116,800 - 31% lower than the Mississippi median.
The typical home in Leake County was built around 1982. About 13% of homes were built before 1960, about 1 point below Mississippi's 14%. 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 Leake County is 70% single-family homes, 2% apartments in buildings with 5+ units and 25% mobile or manufactured homes.
36% of owner-occupied homes in Leake County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Leake County are owner-occupied.
58% of homes in Leake County 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.
The top hazards for Leake County, per FEMA's National Risk Index, are strong wind (Relatively High), hurricane (Relatively Moderate) and tornado (Relatively Moderate).
Leake County had 34 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.
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 | $116,800 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Hurricane (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 34 |
| 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)