Home Insurance in Vicksburg, Mississippi
Homes in Vicksburg carry a median value of $125,900 - 20% lower than the Warren County median.
The typical home in Vicksburg was built around 1967. About 38% of homes were built before 1960, about 16 points above Warren County's 22%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Vicksburg, the housing stock is 65% single-family homes, 19% apartments in buildings with 5+ units and 4% 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.
50% of owner-occupied homes in Vicksburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Vicksburg has an owner-occupancy rate of 55% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
In Vicksburg, 55% of homes are primarily heated with electricity.
Warren County had 361 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Warren County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $125,900 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Warren County | 361 |
| 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)