Home Insurance in Sturgis, Mississippi
With a median home value of $126,400, Sturgis is 47% lower than the Oktibbeha County median.
The typical home in Sturgis was built around 1978. About 39% of homes were built before 1960, about 30 points above Oktibbeha County's 9%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Sturgis is 80% single-family homes, 2% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Sturgis, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sturgis has an owner-occupancy rate of 89% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Sturgis - 69% - 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.
Oktibbeha County had 346 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). 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.
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 | $126,400 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)