Home Insurance in Tishomingo, Mississippi
The median home value in Tishomingo is $102,200, 30% lower than the Tishomingo County median.
The typical home in Tishomingo was built around 1970. About 34% of homes were built before 1960, about 18 points above Tishomingo County's 16%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Tishomingo, the housing stock is 72% single-family homes and 5% 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.
54% of owner-occupied homes in Tishomingo carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Tishomingo has an owner-occupancy rate of 67% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
In Tishomingo, 47% of homes 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.
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 | $102,200 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)