Home Insurance in Pope, Mississippi
The median home value in Pope is $106,500, 17% lower than the Panola County median.
The typical home in Pope was built around 1975. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 14% of homes were built before 1960, about 3 points below Panola County's 17%.
The housing stock in Pope is 73% single-family homes and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
15% of owner-occupied homes in Pope carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Pope are owner-occupied.
Most homes in Pope - 56% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Panola County's overall risk as Relatively Low, led by strong wind (Relatively High). Panola County had 110 active NFIP flood policies as of September 2026. See the full Panola County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $106,500 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 15% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Panola County | 110 |
| 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)