Home Insurance in Coffeeville, Mississippi
The median home value in Coffeeville is $87,300, 29% lower than the Yalobusha County median.
The typical home in Coffeeville was built around 1973. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 27% of homes were built before 1960, about 9 points above Yalobusha County's 18%.
The housing stock in Coffeeville is 79% single-family homes, 7% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 38% of owner-occupied homes in Coffeeville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Coffeeville are owner-occupied.
53% of homes in Coffeeville are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Yalobusha County's overall risk as Very Low, led by earthquake (Relatively Low). Yalobusha County had 18 active NFIP flood policies as of September 2026. See the full Yalobusha County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $87,300 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Yalobusha County | 18 |
| 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)