Home Insurance in Sebastopol, Mississippi
The median home value in Sebastopol is $112,500, 5% higher than the Scott County median.
The typical home in Sebastopol was built around 1977. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 3% of homes were built before 1960, about 7 points below Scott County's 10%.
In Sebastopol, the housing stock is 64% single-family homes, 4% 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.
In Sebastopol, about 16% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 61% of occupied homes in Sebastopol are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Sebastopol, 79% of homes are primarily heated with electricity.
Scott County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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 | $112,500 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 16% |
| 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)