Home Insurance in Perry County, Mississippi
Homes in Perry County carry a median value of $124,000 - 27% lower than the Mississippi median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Perry County was built around 1993. About 10% of homes were built before 1960, about 4 points below Mississippi's 14%.
In Perry County, the housing stock is 64% single-family homes, 3% apartments in buildings with 5+ units and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
35% of owner-occupied homes in Perry County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Perry County are owner-occupied.
80% of homes in Perry County 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.
Per FEMA's National Risk Index, Perry County's top hazards are hurricane (Relatively Low), wildfire (Relatively Low) and tornado (Relatively Low).
As of September 2026, Perry County has 45 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $124,000 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Wildfire (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 45 |
| Home insurance premium | $2,029 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)