HomeInsuranceQts

Home Insurance in Louisville, Mississippi

Homes in Louisville carry a median value of $136,600 - 10% higher than the Winston County median.

Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Louisville was built around 1974. About 20% of homes were built before 1960, about 4 points above Winston County's 15%.

In Louisville, the housing stock is 81% single-family homes and 10% apartments in buildings with 5+ units.

49% of owner-occupied homes in Louisville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Louisville are owner-occupied.

Most homes in Louisville - 55% - are primarily heated with natural gas.

Winston County had 27 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Winston 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$136,600
Median year built1974
Owner-occupied share62%
Share of owner-occupied homes with a mortgage49%
Top county hazardTornado (Relatively Moderate)
Active NFIP policies in Winston County27
Home insurance premium$2,029 - statewide average (NAIC, 2023 data)
Key home insurance figures for Louisville, MS

Nearby towns

Sources

Data last updated: 2026-09-29