Home Insurance in Scott County, Mississippi
With a median home value of $106,700, Scott County is 37% lower than the Mississippi median.
The typical home in Scott County was built around 1989. About 10% of homes were built before 1960, about 4 points below Mississippi's 14%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Scott County, the housing stock is 58% single-family homes, 2% apartments in buildings with 5+ units and 36% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
42% of owner-occupied homes in Scott County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 71% of occupied homes in Scott County are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Scott County - 63% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hail (Relatively Moderate), hurricane (Relatively Moderate) and tornado (Relatively Moderate) as the leading hazards for Scott County.
As of September 2026, Scott County has 58 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Mississippi is $2,029 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $106,700 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Hurricane (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 58 |
| 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)