Home Insurance in Ruleville, Mississippi
The median home value in Ruleville is $85,000, 15% lower than the Sunflower County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Ruleville was built around 1977. About 16% of homes were built before 1960, about 5 points below Sunflower County's 22%.
In Ruleville, the housing stock is 61% single-family homes, 9% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
52% of owner-occupied homes in Ruleville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 43% of occupied homes in Ruleville are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Ruleville - 62% - 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.
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 | $85,000 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)