Home Insurance in Wayne County, Mississippi
Homes in Wayne County carry a median value of $91,100 - 46% lower than the Mississippi median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Wayne County was built around 1985. About 13% of homes were built before 1960, about 1 point below Mississippi's 14%.
In Wayne County, the housing stock is 66% single-family homes, 4% apartments in buildings with 5+ units and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 32% of owner-occupied homes in Wayne County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 85% of occupied homes in Wayne County are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Wayne County - 58% - 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.
The top hazards for Wayne County, per FEMA's National Risk Index, are hurricane (Relatively Moderate), tornado (Relatively Moderate) and wildfire (Very Low).
Wayne County had 30 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $91,100 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Tornado (Relatively Moderate), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 30 |
| 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)