Home Insurance in Hatley, Mississippi
With a median home value of $196,700, Hatley is 63% higher than the Monroe County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hatley was built around 1977. About 23% of homes were built before 1960, about 4 points above Monroe County's 19%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hatley is 82% single-family homes and 13% mobile or manufactured homes.
In Hatley, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hatley has an owner-occupancy rate of 85% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
50% of homes in Hatley are primarily heated with natural gas.
Monroe County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Monroe County had 232 active NFIP flood policies as of September 2026. See the full Monroe County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $196,700 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Monroe County | 232 |
| 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)