Home Insurance in Leland, Mississippi
The median home value in Leland is $109,700, 5% higher than the Washington County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Leland was built around 1967. About 34% of homes were built before 1960, about 10 points above Washington County's 23%.
In Leland, the housing stock is 88% single-family homes and 7% apartments in buildings with 5+ units.
About 39% of owner-occupied homes in Leland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 69% of occupied homes in Leland are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
76% of homes in Leland are primarily heated with natural gas.
Washington County had 1,361 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Washington County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Mississippi is $2,029 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $109,700 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Washington County | 1,361 |
| 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)