Home Insurance in Lena, Mississippi
The median home value in Lena is $109,100, 7% lower than the Leake County median.
The typical home in Lena was built around 1975. About 36% of homes were built before 1960, about 22 points above Leake County's 13%. 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 Lena is 86% single-family homes and 14% mobile or manufactured homes.
23% of owner-occupied homes in Lena carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lena has an owner-occupancy rate of 93% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Lena, 47% of homes are primarily heated with electricity.
Leake County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Leake County had 34 active NFIP flood policies as of September 2026. See the full Leake 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 | $109,100 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 23% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Leake County | 34 |
| 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)