Home Insurance in Sardis, Mississippi
With a median home value of $82,600, Sardis is 35% lower than the Panola County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Sardis was built around 1962. About 47% of homes were built before 1960, about 31 points above Panola County's 17%.
In Sardis, the housing stock is 84% single-family homes, 7% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 33% of owner-occupied homes in Sardis have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Sardis are owner-occupied.
71% of homes in Sardis are primarily heated with natural gas.
Panola County had 110 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Panola 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 | $82,600 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)