Home Insurance in Maben, Mississippi
The median home value in Maben is $79,800, 66% lower than the Oktibbeha County median.
The typical home in Maben was built around 1969. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 37% of homes were built before 1960, about 27 points above Oktibbeha County's 9%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Maben is 78% single-family homes, 3% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
About 38% of owner-occupied homes in Maben have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Maben has an owner-occupancy rate of 32% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
68% of homes in Maben are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Oktibbeha County's overall risk as Relatively Low, led by earthquake (Relatively Low). Oktibbeha County had 346 active NFIP flood policies as of September 2026. See the full Oktibbeha 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 | $79,800 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 32% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Oktibbeha County | 346 |
| 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)