Home Insurance in Blue Springs, Mississippi
Homes in Blue Springs carry a median value of $158,300 - close to the Union County median.
The typical home in Blue Springs was built around 1988. About 4% of homes were built before 1960, about 14 points below Union County's 17%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Blue Springs is 70% single-family homes and 26% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Blue Springs, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 63% of occupied homes in Blue Springs are owner-occupied. The vacancy rate is 48%; 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 Blue Springs - 67% - are primarily heated with electricity.
Union County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Union County had 28 active NFIP flood policies as of September 2026. See the full Union 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 | $158,300 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Union County | 28 |
| 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)