Home Insurance in Marietta, Mississippi
Homes in Marietta carry a median value of $120,800 - close to the Prentiss County median.
The typical home in Marietta was built around 1979. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 12% of homes were built before 1960, about 3 points below Prentiss County's 15%.
In Marietta, the housing stock is 75% single-family homes, 11% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
45% of owner-occupied homes in Marietta carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Marietta has an owner-occupancy rate of 79% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Marietta, 47% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Marietta? FEMA's National Risk Index points to earthquake (Relatively Low) in Prentiss County and Prentiss County had 20 active NFIP flood policies as of September 2026. See the full Prentiss County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $120,800 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Prentiss County | 20 |
| 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)