Home Insurance in Blue Mountain, Mississippi
Homes in Blue Mountain carry a median value of $79,700 - 36% lower than the Tippah County median.
The typical home in Blue Mountain was built around 1977. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 29% of homes were built before 1960, about 12 points above Tippah County's 17%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Blue Mountain is 69% single-family homes, 3% apartments in buildings with 5+ units and 16% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 66% of owner-occupied homes in Blue Mountain have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 60% of occupied homes in Blue Mountain are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Blue Mountain, 60% of homes are primarily heated with electricity.
Tippah County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Tippah County had 8 active NFIP flood policies as of September 2026. See the full Tippah County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $79,700 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Tippah County | 8 |
| 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)