Home Insurance in Washington County, Mississippi
With a median home value of $104,000, Washington County is 39% lower than the Mississippi median.
The typical home in Washington County was built around 1973. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 23% of homes were built before 1960, about 9 points above Mississippi's 14%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Washington County is 75% single-family homes, 10% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
40% of owner-occupied homes in Washington County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Washington County has an owner-occupancy rate of 60% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Washington County - 54% - are primarily heated with natural gas.
FEMA's National Risk Index lists tornado (Relatively High), earthquake (Relatively Moderate) and hail (Relatively Moderate) as the leading hazards for Washington County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Washington County has 1,361 active NFIP flood policies on file.
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 | $104,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Earthquake (Relatively Moderate), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 1,361 |
| 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)