Home Insurance in State Line, Mississippi
With a median home value of $65,700, State Line is 28% lower than the Wayne County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in State Line was built around 1993. About 15% of homes were built before 1960, about 2 points above Wayne County's 13%.
The housing stock in State Line is 39% single-family homes, 25% apartments in buildings with 5+ units and 36% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 34% of owner-occupied homes in State Line have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
State Line has an owner-occupancy rate of 50% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in State Line - 84% - 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.
What's the biggest home insurance risk near State Line? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Wayne County and Wayne County had 30 active NFIP flood policies as of September 2026. See the full Wayne 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 | $65,700 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Wayne County | 30 |
| 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)