Home Insurance in Picayune, Mississippi
The median home value in Picayune is $157,100, 14% lower than the Pearl River County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Picayune was built around 1976. About 20% of homes were built before 1960, about 9 points above Pearl River County's 11%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Picayune is 72% single-family homes, 9% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
39% of owner-occupied homes in Picayune carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Picayune has an owner-occupancy rate of 59% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
In Picayune, 82% of homes are primarily heated with electricity.
Pearl River County's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. Pearl River County had 697 active NFIP flood policies as of September 2026. See the full Pearl River County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Mississippi, the statewide average premium for a standard HO-3 homeowners policy is $2,029 per year (NAIC, 2023 data).
Key figures
| Median home value | $157,100 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Pearl River County | 697 |
| 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)