Home Insurance in Pearl, Mississippi
With a median home value of $182,500, Pearl is 23% lower than the Rankin County median.
The typical home in Pearl was built around 1982. About 10% of homes were built before 1960, about 4 points above Rankin County's 6%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pearl is 71% single-family homes, 15% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
63% of owner-occupied homes in Pearl carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pearl has an owner-occupancy rate of 62% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Pearl - 52% - are primarily heated with natural gas.
What's the biggest home insurance risk near Pearl? FEMA's National Risk Index points to hail (Relatively High) in Rankin County and 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.
In Mississippi, the statewide average premium for a standard HO-3 homeowners policy is $2,029 per year (NAIC, 2023 data).
Key figures
| Median home value | $182,500 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)