Home Insurance in D'Lo, Mississippi
Homes in D'Lo carry a median value of $79,300 - 35% lower than the Simpson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in D'Lo was built around 1971. About 30% of homes were built before 1960, about 16 points above Simpson County's 14%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in D'Lo is 68% single-family homes and 23% mobile or manufactured homes.
In D'Lo, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
D'Lo has an owner-occupancy rate of 60% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in D'Lo - 53% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near D'Lo? FEMA's National Risk Index points to hurricane (Relatively Low) in Simpson County and Simpson County had 79 active NFIP flood policies as of September 2026. See the full Simpson 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 | $79,300 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Simpson County | 79 |
| 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)