Home Insurance in Mize, Mississippi
With a median home value of $148,100, Mize is 32% higher than the Smith County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Mize was built around 1977. About 11% of homes were built before 1960, about 5 points below Smith County's 16%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mize is 84% single-family homes and 16% mobile or manufactured homes.
About 39% of owner-occupied homes in Mize have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Mize has an owner-occupancy rate of 91% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
In Mize, 45% of homes 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.
Smith County had 13 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Smith County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Mississippi is $2,029 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $148,100 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Smith County | 13 |
| 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)