Home Insurance in Tunica County, Mississippi
The median home value in Tunica County is $175,900, close to the Mississippi median.
The typical home in Tunica County was built around 1994. About 10% of homes were built before 1960, about 4 points below Mississippi's 14%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Tunica County is 40% single-family homes, 26% apartments in buildings with 5+ units and 22% 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.
About 44% of owner-occupied homes in Tunica County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 40% of occupied homes in Tunica County are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Tunica County - 54% - 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 Tunica County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Tunica County has 92 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $175,900 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Tornado (Relatively Low), Hurricane (Very Low) |
| Active NFIP flood policies (county) | 92 |
| 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)