Home Insurance in McComb, Mississippi
The median home value in McComb is $98,700, 11% lower than the Pike County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in McComb was built around 1976. About 31% of homes were built before 1960, about 12 points above Pike County's 18%.
The housing stock in McComb is 60% single-family homes, 16% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In McComb, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
McComb has an owner-occupancy rate of 48% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
In McComb, 63% of homes are primarily heated with electricity.
What's the biggest home insurance risk near McComb? FEMA's National Risk Index points to tornado (Relatively Moderate) in Pike County and Pike County had 118 active NFIP flood policies as of September 2026. See the full Pike 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 | $98,700 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Pike County | 118 |
| 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)