Home Insurance in Itta Bena, Mississippi
Homes in Itta Bena carry a median value of $87,400 - 14% lower than the Leflore County median.
The typical home in Itta Bena was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 15% of homes were built before 1960, about 14 points below Leflore County's 28%.
Housing in Itta Bena breaks down to 65% single-family homes and 6% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 28% of owner-occupied homes in Itta Bena have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 31% of occupied homes in Itta Bena are owner-occupied.
63% of homes in Itta Bena are primarily heated with natural gas.
Leflore County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Leflore County had 559 active NFIP flood policies as of September 2026. See the full Leflore County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Mississippi carries a statewide average premium of $2,029 per year.
Key figures
| Median home value | $87,400 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 31% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Leflore County | 559 |
| 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)