Home Insurance in Bentonia, Mississippi
Homes in Bentonia carry a median value of $84,400 - 45% lower than the Yazoo County median.
The typical home in Bentonia was built around 1972. About 29% of homes were built before 1960, about 6 points above Yazoo County's 23%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Bentonia, the housing stock is 74% single-family homes, 8% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 20% of owner-occupied homes in Bentonia have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 35% of occupied homes in Bentonia are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Bentonia - 53% - 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.
Yazoo County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Yazoo County had 343 active NFIP flood policies as of September 2026. See the full Yazoo 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 | $84,400 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 35% |
| Share of owner-occupied homes with a mortgage | 20% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Yazoo County | 343 |
| 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)