Home Insurance in Pelahatchie, Mississippi
The median home value in Pelahatchie is $158,200, 33% lower than the Rankin County median.
The typical home in Pelahatchie was built around 1974. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 20% of homes were built before 1960, about 14 points above Rankin County's 6%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pelahatchie is 84% single-family homes, 6% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
38% of owner-occupied homes in Pelahatchie carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 70% of occupied homes in Pelahatchie are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Pelahatchie - 55% - 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.
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 | $158,200 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)