Home Insurance in New Augusta, Mississippi
The median home value in New Augusta is $84,700, 32% lower than the Perry County median.
The typical home in New Augusta was built around 1985. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 9% of homes were built before 1960, in line with Perry County (10%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in New Augusta is 47% single-family homes, 3% apartments in buildings with 5+ units and 32% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 47% of owner-occupied homes in New Augusta have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
New Augusta has an owner-occupancy rate of 75% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in New Augusta - 87% - 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.
Perry County had 45 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Perry 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 | $84,700 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)