Home Insurance in Iuka, Mississippi
The median home value in Iuka is $124,700, 14% lower than the Tishomingo County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Iuka was built around 1969. About 29% of homes were built before 1960, about 13 points above Tishomingo County's 16%.
In Iuka, the housing stock is 81% single-family homes and 1% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Iuka, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Iuka has an owner-occupancy rate of 69% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
49% of homes in Iuka are primarily heated with electricity.
Tishomingo County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. 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.
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 | $124,700 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)