Home Insurance in Tishomingo County, Mississippi
The median home value in Tishomingo County is $145,100, 15% lower than the Mississippi median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Tishomingo County was built around 1981. About 16% of homes were built before 1960, about 2 points above Mississippi's 14%.
The housing stock in Tishomingo County is 78% single-family homes, 2% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 37% of owner-occupied homes in Tishomingo County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Tishomingo County has an owner-occupancy rate of 80% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Tishomingo County - 60% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists earthquake (Relatively Low), tornado (Relatively Low) and hurricane (Very Low) as the leading hazards for Tishomingo County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Tishomingo County had 21 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Mississippi is $2,029 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $145,100 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Tornado (Relatively Low), Hurricane (Very Low) |
| Active NFIP flood policies (county) | 21 |
| 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)