Home Insurance in Pontotoc, Mississippi
The median home value in Pontotoc is $155,800, close to the Pontotoc County median.
The typical home in Pontotoc was built around 1972. About 35% of homes were built before 1960, about 20 points above Pontotoc County's 15%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Pontotoc, the housing stock is 73% single-family homes, 5% apartments in buildings with 5+ units and 6% 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.
47% of owner-occupied homes in Pontotoc carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 54% of occupied homes in Pontotoc are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Pontotoc, 54% of homes are primarily heated with natural gas.
Pontotoc County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Pontotoc County had 18 active NFIP flood policies as of September 2026. See the full Pontotoc County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $155,800 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Pontotoc County | 18 |
| 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)