Home Insurance in Oktibbeha County, Mississippi
The median home value in Oktibbeha County is $237,700, 40% higher than the Mississippi median.
The typical home in Oktibbeha County was built around 1993. About 9% of homes were built before 1960, about 5 points below Mississippi's 14%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Oktibbeha County is 52% single-family homes, 23% apartments in buildings with 5+ units and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
51% of owner-occupied homes in Oktibbeha County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Oktibbeha County has an owner-occupancy rate of 48% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Oktibbeha County - 66% - 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.
FEMA's National Risk Index lists earthquake (Relatively Low), tornado (Relatively Moderate) and hail (Relatively Moderate) as the leading hazards for Oktibbeha County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Oktibbeha County has 346 active NFIP flood policies on file.
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 | $237,700 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Tornado (Relatively Moderate), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 346 |
| 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)