Home Insurance in Brandon, Mississippi
Homes in Brandon carry a median value of $278,900 - 17% higher than the Rankin County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Brandon was built around 1996. About 3% of homes were built before 1960, about 3 points below Rankin County's 6%.
Housing in Brandon breaks down to 83% single-family homes, 12% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Brandon, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Brandon are owner-occupied.
Most homes in Brandon - 56% - are primarily heated with natural gas.
Rankin County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Rankin County had 1,623 active NFIP flood policies as of September 2026. See the full Rankin County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $278,900 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Rankin County | 1,623 |
| 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)