Home Insurance in Dumas, Mississippi
The median home value in Dumas is $116,200, 6% lower than the Tippah County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Dumas was built around 1989. About 15% of homes were built before 1960, about 2 points below 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 Dumas is 82% single-family homes and 18% mobile or manufactured homes.
35% of owner-occupied homes in Dumas carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Dumas are owner-occupied.
In Dumas, 68% of homes are primarily heated with natural gas.
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 | $116,200 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)