Home Insurance in Forest, Mississippi
With a median home value of $141,100, Forest is 32% higher than the Scott County median.
The typical home in Forest was built around 1977. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 16% of homes were built before 1960, about 7 points above Scott County's 10%.
The housing stock in Forest is 58% single-family homes, 7% apartments in buildings with 5+ units and 19% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
35% of owner-occupied homes in Forest carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Forest has an owner-occupancy rate of 51% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Forest - 58% - are primarily heated with electricity.
What's the biggest home insurance risk near Forest? FEMA's National Risk Index points to hail (Relatively Moderate) in Scott County and Scott County had 58 active NFIP flood policies as of September 2026. See the full Scott 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 | $141,100 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Scott County | 58 |
| 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)