Home Insurance in Sidon, Mississippi
Homes in Sidon carry a median value of $82,900 - 18% lower than the Leflore County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Sidon was built around 1979. About 23% of homes were built before 1960, about 5 points below Leflore County's 28%.
The housing stock in Sidon is 78% single-family homes and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
28% of owner-occupied homes in Sidon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Sidon has an owner-occupancy rate of 82% and a vacancy rate of 36%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 41% of homes in Sidon are primarily heated with electricity.
What's the biggest home insurance risk near Sidon? FEMA's National Risk Index points to tornado (Relatively Moderate) in Leflore County and 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.
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 | $82,900 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 82% |
| 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)