Home Insurance in Yazoo City, Mississippi
With a median home value of $103,000, Yazoo City is 33% lower than the Yazoo County median.
The typical home in Yazoo City was built around 1978. 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.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Yazoo City is 58% single-family homes, 12% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Yazoo City, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 33% of occupied homes in Yazoo City are owner-occupied.
In Yazoo City, 62% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Yazoo City? FEMA's National Risk Index points to tornado (Relatively Moderate) in Yazoo County and 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 | $103,000 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 33% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)