Home Insurance in Osyka, Mississippi
The median home value in Osyka is $85,600, 23% lower than the Pike County median.
The typical home in Osyka was built around 1969. About 27% of homes were built before 1960, about 9 points above Pike County's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Osyka, the housing stock is 87% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Osyka, about 32% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Osyka has an owner-occupancy rate of 50% and a vacancy rate of 30%; unoccupied homes typically need a different coverage form.
Most homes in Osyka - 79% - are primarily heated with electricity.
Pike County had 118 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Pike 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 | $85,600 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)