Home Insurance in Noxubee County, Mississippi
Homes in Noxubee County carry a median value of $90,800 - 47% lower than the Mississippi median.
The typical home in Noxubee County was built around 1980. About 17% of homes were built before 1960, about 3 points above Mississippi's 14%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Noxubee County is 63% single-family homes, 4% apartments in buildings with 5+ units and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 43% of owner-occupied homes in Noxubee County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Noxubee County are owner-occupied.
61% of homes in Noxubee County are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Noxubee County's top hazards are hurricane (Relatively Low), earthquake (Relatively Low) and tornado (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Noxubee County had 10 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Mississippi, the statewide average premium for a standard HO-3 homeowners policy is $2,029 per year (NAIC, 2023 data).
Key figures
| Median home value | $90,800 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Earthquake (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 10 |
| Home insurance premium | $2,029 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)