Home Insurance in Beaumont, Mississippi
Homes in Beaumont carry a median value of $259,100 - 109% higher than the Perry County median.
The typical home in Beaumont was built around 2000. About 15% of homes were built before 1960, about 5 points above Perry County's 10%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Beaumont is 74% single-family homes, 7% apartments in buildings with 5+ units and 17% mobile or manufactured homes.
In Beaumont, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Beaumont has an owner-occupancy rate of 84% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
In Beaumont, 90% of homes are primarily heated with electricity.
FEMA rates Perry County's overall risk as Very Low, led by hurricane (Relatively Low). Perry County had 45 active NFIP flood policies as of September 2026. See the full Perry 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 | $259,100 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Perry County | 45 |
| 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)