Home Insurance in Sharkey County, Mississippi
The median home value in Sharkey County is $98,000, 42% lower than the Mississippi median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Sharkey County was built around 1977. About 17% of homes were built before 1960, about 3 points above Mississippi's 14%.
The housing stock in Sharkey County is 67% single-family homes, 4% apartments in buildings with 5+ units and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 34% of owner-occupied homes in Sharkey County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 67% of occupied homes in Sharkey County are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Sharkey County, 48% of homes 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 hurricane (Relatively Low), hail (Relatively Low) and tornado (Relatively Low) as the leading hazards for Sharkey County.
Sharkey County had 163 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $98,000 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Hail (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 163 |
| 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)