Home Insurance in Tallahatchie County, Mississippi
Homes in Tallahatchie County carry a median value of $82,300 - 52% lower than the Mississippi median.
The typical home in Tallahatchie County was built around 1978. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 18% of homes were built before 1960, about 4 points above Mississippi's 14%.
The housing stock in Tallahatchie County is 68% single-family homes, 3% apartments in buildings with 5+ units and 27% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 30% of owner-occupied homes in Tallahatchie County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Tallahatchie County has an owner-occupancy rate of 65% and a vacancy rate of 22%; 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. 34% of homes in Tallahatchie County are primarily heated with electricity.
Per FEMA's National Risk Index, Tallahatchie County's top hazards are earthquake (Relatively Low), strong wind (Relatively Moderate) and tornado (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Tallahatchie County had 67 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $82,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Strong Wind (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 67 |
| Home insurance premium | $2,029 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)