Home Insurance in Mendenhall, Mississippi
Homes in Mendenhall carry a median value of $125,900 - close to the Simpson County median.
The typical home in Mendenhall was built around 1966. About 33% of homes were built before 1960, about 19 points above Simpson County's 14%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mendenhall is 82% single-family homes, 4% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
In Mendenhall, about 33% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Mendenhall has an owner-occupancy rate of 71% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Mendenhall - 50% - are primarily heated with electricity.
What's the biggest home insurance risk near Mendenhall? 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 | $125,900 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)