Home Insurance in Pontotoc County, Mississippi
With a median home value of $157,100, Pontotoc County is 7% lower than the Mississippi median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Pontotoc County was built around 1989. About 15% of homes were built before 1960, in line with Mississippi (14%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pontotoc County is 65% single-family homes, 1% apartments in buildings with 5+ units and 29% mobile or manufactured homes.
About 45% of owner-occupied homes in Pontotoc County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Pontotoc County has an owner-occupancy rate of 70% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
50% of homes in Pontotoc 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.
FEMA's National Risk Index lists earthquake (Relatively Low), tornado (Relatively Moderate) and hurricane (Relatively Low) as the leading hazards for Pontotoc County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Pontotoc County has 18 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 | $157,100 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Tornado (Relatively Moderate), Hurricane (Relatively Low) |
| Active NFIP flood policies (county) | 18 |
| 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)