Home Insurance in Moorhead, Mississippi
Homes in Moorhead carry a median value of $82,000 - 18% lower than the Sunflower County median.
The typical home in Moorhead was built around 1979. About 22% of homes were built before 1960, in line with Sunflower County (22%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Moorhead is 77% single-family homes, 14% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
32% of owner-occupied homes in Moorhead carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Moorhead has an owner-occupancy rate of 57% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
In Moorhead, 69% of homes are primarily heated with natural gas.
Sunflower County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Sunflower County had 150 active NFIP flood policies as of September 2026. See the full Sunflower County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
In Mississippi, the statewide average premium for a standard HO-3 homeowners policy is $2,029 per year (NAIC, 2023 data).
Key figures
| Median home value | $82,000 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Sunflower County | 150 |
| 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)