Home Insurance in Tutwiler, Mississippi
The median home value in Tutwiler is $58,900, 28% lower than the Tallahatchie County median.
The typical home in Tutwiler was built around 1975. About 24% of homes were built before 1960, about 5 points above Tallahatchie County's 18%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Tutwiler, the housing stock is 78% single-family homes, 13% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 33% of owner-occupied homes in Tutwiler have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Tutwiler has an owner-occupancy rate of 36% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
76% of homes in Tutwiler are primarily heated with natural gas.
FEMA rates Tallahatchie County's overall risk as Very Low, led by earthquake (Relatively Low). 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.
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 | $58,900 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 36% |
| 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)