Home Insurance in Mathiston, Mississippi
With a median home value of $155,000, Mathiston is 29% higher than the Webster County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Mathiston was built around 1973. About 35% of homes were built before 1960, about 20 points above Webster County's 15%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mathiston is 72% single-family homes, 13% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
In Mathiston, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Mathiston has an owner-occupancy rate of 70% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Mathiston, 52% of homes 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.
FEMA rates Webster County's overall risk as Very Low, led by earthquake (Relatively Low). Webster County had 4 active NFIP flood policies as of September 2026. See the full Webster County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
In Mississippi, the statewide average premium for a standard HO-3 homeowners policy is $2,029 per year (NAIC, 2023 data).
Key figures
| Median home value | $155,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Webster County | 4 |
| 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)