Home Insurance in Sumner, Mississippi
With a median home value of $162,500, Sumner is 97% higher than the Tallahatchie County median.
The typical home in Sumner was built around 1962. About 48% of homes were built before 1960, about 30 points above Tallahatchie County's 18%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Sumner is 92% single-family homes and 8% apartments in buildings with 5+ units.
About 33% of owner-occupied homes in Sumner have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Sumner has an owner-occupancy rate of 44% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
89% of homes in Sumner are primarily heated with natural gas.
What's the biggest home insurance risk near Sumner? FEMA's National Risk Index points to earthquake (Relatively Low) in Tallahatchie County and Tallahatchie County had 67 active NFIP flood policies as of September 2026. See the full Tallahatchie 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 | $162,500 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Tallahatchie County | 67 |
| 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)