Home Insurance in Sunflower, Mississippi
The median home value in Sunflower is $77,600, 23% lower than the Sunflower County median.
The typical home in Sunflower was built around 1983. About 11% of homes were built before 1960, about 10 points below Sunflower County's 22%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sunflower is 54% single-family homes, 23% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Sunflower, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sunflower has an owner-occupancy rate of 43% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Sunflower - 79% - are primarily heated with natural gas.
Sunflower County had 150 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). 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.
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 | $77,600 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)