Home Insurance in Holly Springs, Mississippi
Homes in Holly Springs carry a median value of $109,600 - 35% lower than the Marshall County median.
The typical home in Holly Springs was built around 1979. About 17% of homes were built before 1960, about 8 points above Marshall County's 9%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Holly Springs breaks down to 83% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Holly Springs, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Holly Springs are owner-occupied.
Most homes in Holly Springs - 52% - are primarily heated with natural gas.
What's the biggest home insurance risk near Holly Springs? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Marshall County and Marshall County had 29 active NFIP flood policies as of September 2026. See the full Marshall County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $109,600 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Marshall County | 29 |
| 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)