Home Insurance in Ripley, Mississippi
Homes in Ripley carry a median value of $117,200 - 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 Ripley was built around 1980. About 19% of homes were built before 1960, about 2 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 Ripley is 77% single-family homes, 4% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
52% of owner-occupied homes in Ripley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Ripley has an owner-occupancy rate of 62% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Ripley - 64% - 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 | $117,200 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)