Home Insurance in Brooksville, Mississippi
Homes in Brooksville carry a median value of $100,000 - 10% higher than the Noxubee County median.
The typical home in Brooksville was built around 1985. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 30% of homes were built before 1960, about 13 points above Noxubee County's 17%.
In Brooksville, the housing stock is 82% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Brooksville, about 19% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Brooksville has an owner-occupancy rate of 70% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Brooksville - 68% - are primarily heated with electricity.
FEMA rates Noxubee County's overall risk as Very Low, led by hurricane (Relatively Low). Noxubee County had 10 active NFIP flood policies as of September 2026. See the full Noxubee 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 | $100,000 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 19% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Noxubee County | 10 |
| 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)