Home Insurance in Quitman County, Mississippi
Homes in Quitman County carry a median value of $69,600 - 59% lower than the Mississippi median.
The typical home in Quitman County was built around 1972. About 34% of homes were built before 1960, about 19 points above Mississippi's 14%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Quitman County, the housing stock is 75% single-family homes, 5% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Quitman County, about 23% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Quitman County has an owner-occupancy rate of 65% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
44% of homes in Quitman County are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Quitman County's top hazards are earthquake (Relatively Low), tornado (Relatively Low) and hurricane (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Quitman County has 110 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 | $69,600 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 23% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Tornado (Relatively Low), Hurricane (Very Low) |
| Active NFIP flood policies (county) | 110 |
| 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)