Home Insurance in Burnsville, Mississippi
Homes in Burnsville carry a median value of $80,000 - 45% lower than the Tishomingo County median.
The typical home in Burnsville was built around 1975. About 14% of homes were built before 1960, about 2 points below Tishomingo County's 16%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Burnsville, the housing stock is 63% single-family homes, 4% apartments in buildings with 5+ units and 18% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
47% of owner-occupied homes in Burnsville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 71% of occupied homes in Burnsville are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Burnsville - 65% - are primarily heated with electricity.
FEMA rates Tishomingo County's overall risk as Very Low, led by earthquake (Relatively Low). Tishomingo County had 21 active NFIP flood policies as of September 2026. See the full Tishomingo County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Mississippi carries a statewide average premium of $2,029 per year.
Key figures
| Median home value | $80,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Tishomingo County | 21 |
| 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)