Home Insurance in Tippah County, Mississippi
The median home value in Tippah County is $124,100, 27% lower than the Mississippi median.
The typical home in Tippah County was built around 1985. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 17% of homes were built before 1960, about 3 points above Mississippi's 14%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Tippah County is 76% single-family homes, 2% apartments in buildings with 5+ units and 18% mobile or manufactured homes.
In Tippah County, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Tippah County are owner-occupied.
Most homes in Tippah County - 53% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Tippah County's top hazards are earthquake (Relatively Low), tornado (Relatively Moderate) and hurricane (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Tippah County has 8 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Mississippi, the statewide average premium for a standard HO-3 homeowners policy is $2,029 per year (NAIC, 2023 data).
Key figures
| Median home value | $124,100 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Tornado (Relatively Moderate), Hurricane (Relatively Low) |
| Active NFIP flood policies (county) | 8 |
| 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)