Mississippi

Home insurance overview — 333 ZIP codes, 273 cities

Avg Premium (2025 Est.)

$2,210

+11.8% from 2022

Nonrenewal Rate

1.48%

5yr Storm Damage

$735.1M

Mississippi Risk Map

Cities

City	ZIP Codes	Avg Premium	Stress Score	YoY	Risk
Shaw	1	$2,646	84	+16.1%	Extreme
Gunnison	1	$2,413	82	+12.3%	Extreme
Shelby	1	$2,562	78	+10.8%	High
Woodville	1	$3,302	77	+15.2%	High
Rolling Fork	1	$2,505	77	+12.1%	High
Utica	1	$2,250	76	+10.0%	High
Kilmichael	1	$2,086	75	+15.3%	High
Hollandale	1	$2,441	75	+13.4%	High
Victoria	1	$2,226	74	+8.5%	High
Moss Point	1	$3,072	74	+8.1%	High
Pearlington	1	$4,151	74	+16.2%	High
Silver Creek	1	$2,400	74	+12.8%	High
Lambert	1	$2,245	74	+13.4%	High
Edwards	1	$2,388	73	+9.9%	High
D'Iberville	1	$2,936	73	+9.1%	High
Foxworth	2	$2,292	73	+11.8%	High
Dundee	1	$2,801	73	+10.6%	High
Sumner	1	$2,664	73	+10.1%	High
Jackson	9	$2,583	73	+11.8%	High
Kokomo	1	$2,338	72	+7.9%	High
Pascagoula	2	$3,149	72	+8.0%	High
Merigold	1	$2,418	71	+10.5%	High
New Hebron	2	$2,426	71	+13.2%	High
Ruleville	1	$2,357	71	+14.9%	High
Glen Allan	1	$3,055	71	+15.8%	High
Roxie	1	$2,271	70	+12.4%	High
Belzoni	1	$2,268	70	+13.5%	High
Goodman	2	$2,330	70	+15.0%	High
Tchula	1	$1,936	70	+10.9%	High
Skene	1	$2,635	70	+13.7%	High
Terry	1	$2,539	70	+10.7%	High
Mississippi Valley State University	1	$2,040	70	+10.9%	High
Laurel	1	$2,429	70	+12.7%	High
Verona	1	$1,938	70	+15.9%	High
Tunica Resorts	1	$2,725	70	+18.6%	High
Collins	1	$2,273	70	+12.9%	High
McLain	1	$2,143	70	+9.6%	High
Bassfield	1	$2,312	69	+11.7%	High
Taylorsville	1	$2,175	69	+9.9%	High
Hazlehurst	1	$2,247	69	+10.2%	High
Inverness	1	$2,548	69	+12.0%	High
Columbia	1	$2,413	69	+10.6%	High
Magnolia	1	$2,691	69	+11.8%	High
Holcomb	1	$2,030	69	+12.3%	High
Biloxi	3	$3,242	69	+10.0%	High
Raleigh	1	$2,054	68	+10.8%	High
Isola	1	$2,115	68	+10.3%	High
Crawford	1	$1,803	68	+9.3%	High
Tylertown	1	$2,546	68	+11.5%	High
Seminary	1	$2,258	68	+12.9%	High
Clarksdale	2	$2,424	68	+13.9%	High
Vancleave	1	$2,873	68	+8.0%	High
Tunica	1	$2,560	68	+12.4%	High
Lamar	2	$2,442	68	+8.1%	High
Calhoun City	1	$1,978	68	+13.7%	High
New Augusta	2	$2,152	68	+9.2%	High
Mount Olive	1	$2,370	68	+13.0%	High
Port Gibson	1	$2,643	68	+12.4%	High
Pass Christian	1	$3,704	68	+8.8%	High
Marks	1	$2,465	67	+12.3%	High
Lucedale	1	$2,600	67	+10.7%	High
Carrollton	3	$2,145	67	+13.4%	High
Walls	2	$2,235	67	+13.2%	High
Sunflower	1	$2,297	67	+10.5%	High
Kiln	1	$3,220	67	+8.6%	High
Toomsuba	1	$2,020	67	+8.5%	High
Escatawpa	1	$2,661	67	+8.9%	High
Sumrall	1	$2,466	67	+9.6%	High
Braxton	1	$2,111	67	+10.9%	High
Enterprise	1	$2,127	67	+9.5%	High
Mound Bayou	1	$2,249	67	+11.8%	High
Florence	2	$2,081	67	+12.0%	High
Gulfport	3	$3,198	67	+8.0%	High
Sidon	1	$2,141	67	+15.9%	High
Gautier	1	$3,152	66	+8.0%	High
Picayune	2	$2,624	66	+10.2%	High
Bay St. Louis	1	$3,258	66	+8.8%	High
Pelahatchie	1	$2,154	66	+13.9%	High
Poplarville	1	$2,825	66	+10.2%	High
Brookhaven	1	$2,468	66	+13.2%	High
Ridgeland	1	$2,848	66	+11.9%	High
Mendenhall	1	$2,356	66	+13.2%	High
Hickory	1	$2,255	66	+13.3%	High
Ocean Springs	1	$3,894	66	+8.0%	High
Greenville	2	$2,269	66	+14.3%	High
Leland	1	$2,431	65	+12.7%	High
Wesson	1	$2,234	65	+13.3%	High
Ellisville	1	$2,185	65	+11.0%	High
Monticello	2	$2,351	65	+14.4%	High
Louin	1	$1,959	65	+12.8%	High
Vaiden	1	$2,135	65	+12.3%	High
Diamondhead	1	$3,106	65	+7.9%	High
Benoit	1	$2,471	65	+10.7%	High
Tutwiler	1	$2,442	65	+15.4%	High
Beaumont	1	$2,235	65	+9.1%	High
Lumberton	1	$2,382	65	+9.7%	High
Yazoo City	1	$2,370	65	+14.6%	High
Bentonia	1	$2,168	65	+11.9%	High
Osyka	1	$2,384	65	+8.0%	High
Byram	1	$2,149	65	+10.8%	High
Winona	1	$2,005	65	+11.1%	High
Newton	1	$2,100	65	+13.6%	High
Hattiesburg	2	$2,601	65	+9.6%	High
Heidelberg	1	$2,037	65	+12.4%	High
Moselle	1	$2,189	65	+10.0%	High
Prentiss	1	$2,313	65	+13.0%	High
Meridian	4	$2,108	64	+11.9%	High
Raymond	1	$2,491	64	+10.7%	High
Pachuta	3	$2,047	64	+13.8%	High
Falkner	1	$2,002	64	+17.4%	High
French Camp	1	$1,950	64	+14.4%	High
Long Beach	1	$3,186	64	+7.9%	High
Saucier	3	$2,581	64	+9.4%	High
Aberdeen	1	$1,944	64	+12.2%	High
Crenshaw	1	$2,142	64	+16.3%	High
Gloster	1	$2,352	64	+10.8%	High
Magee	1	$2,378	64	+12.7%	High
Natchez	1	$2,602	64	+11.9%	High
Benton	2	$2,374	64	+14.0%	High
Stewart	1	$1,631	64	+12.8%	High
Stonewall	1	$1,893	64	+11.6%	High
Vicksburg	2	$2,332	64	+13.2%	High
Taylor	1	$2,221	64	+16.4%	High
Union	1	$1,925	64	+14.1%	High
Ovett	1	$2,102	64	+10.0%	High
Richton	1	$2,231	64	+8.9%	High
McComb	1	$2,496	63	+11.1%	High
Rosedale	1	$2,589	63	+11.7%	High
Saltillo	1	$2,050	63	+13.5%	High
Liberty	1	$2,330	63	+12.0%	High
Amory	1	$1,905	63	+13.4%	High
Indianola	1	$2,356	63	+11.9%	High
Petal	1	$2,311	63	+9.7%	High
Holly Springs	1	$2,196	63	+9.3%	High
Flowood	2	$2,323	63	+11.5%	High
New Hamilton	1	$1,811	63	+16.1%	High
Canton	1	$2,265	63	+11.2%	High
Tupelo	3	$2,199	63	+13.8%	High
Purvis	1	$2,466	63	+9.9%	High
De Soto	1	$2,067	63	+12.3%	High
Durant	1	$2,033	63	+11.7%	High
Ackerman	1	$1,948	63	+16.3%	High
Sandersville	1	$1,909	62	+13.6%	High
Soso	1	$2,253	62	+16.1%	High
Lake	2	$1,880	62	+12.7%	High
Crystal Springs	1	$2,206	62	+11.4%	High
Brooksville	1	$1,666	62	+8.0%	High
Pickens	1	$2,114	62	+9.5%	High
Waveland	1	$2,869	62	+8.0%	High
Madison	1	$2,625	62	+11.6%	High
Bogue Chitto	3	$2,058	62	+11.5%	High
Paden	1	$1,808	62	+14.6%	High
Waterford	1	$2,043	62	+9.8%	High
Smithville	1	$1,961	62	+14.0%	High
Kosciusko	1	$2,067	61	+13.0%	High
Louisville	1	$1,946	61	+12.6%	High
Thaxton	2	$1,794	61	+13.0%	High
Myrtle	1	$1,845	61	+14.2%	High
Cleveland	1	$2,333	61	+12.8%	High
Greenwood	1	$2,273	61	+11.5%	High
Lexington	1	$2,063	61	+10.0%	High
Summit	2	$2,398	61	+13.0%	High
Clinton	2	$2,276	61	+11.2%	High
Columbus	4	$1,992	61	+11.1%	High
Sturgis	1	$1,827	61	+10.8%	High
Horn Lake	1	$1,913	61	+14.9%	High
Iuka	1	$2,124	61	+14.8%	High
Porterville	1	$1,728	61	+7.9%	High
Buckatunna	1	$2,141	61	+12.7%	High
Drew	1	$2,403	61	+14.6%	High
Arkabutla	1	$2,053	60	+10.6%	Elevated
Bay Springs	2	$1,938	60	+12.0%	Elevated
Plantersville	1	$2,016	60	+14.0%	Elevated
Richland	1	$1,805	60	+12.2%	Elevated
Byhalia	1	$2,269	60	+12.0%	Elevated
Sharon	1	$2,197	60	+12.7%	Elevated
Burnsville	1	$1,739	60	+15.9%	Elevated
Ashland	1	$2,084	60	+16.0%	Elevated
Bethlehem	1	$1,991	60	+12.6%	Elevated
Macon	1	$1,858	60	+10.9%	Elevated
Noxapater	1	$1,799	60	+13.9%	Elevated
Shannon	1	$1,801	60	+13.7%	Elevated
Dennis	1	$1,732	59	+15.6%	Elevated
Pope	2	$1,874	59	+13.1%	Elevated
Sardis	1	$2,021	59	+11.9%	Elevated
Dumas	1	$1,615	59	+14.9%	Elevated
Fayette	1	$2,374	59	+9.6%	Elevated
Blue Mountain	1	$1,950	59	+12.9%	Elevated
Wiggins	1	$2,527	59	+8.0%	Elevated
Grenada	1	$2,111	59	+13.9%	Elevated
Senatobia	1	$2,038	59	+10.7%	Elevated
Como	1	$2,052	59	+9.2%	Elevated
McCool	1	$1,756	59	+12.9%	Elevated
Quitman	1	$2,158	59	+12.8%	Elevated
Weir	1	$1,708	58	+10.5%	Elevated
Olive Branch	1	$2,396	58	+14.3%	Elevated
Batesville	1	$2,028	58	+12.3%	Elevated
Hernando	2	$2,235	58	+12.3%	Elevated
Flora	1	$2,768	58	+11.6%	Elevated
Pearl	1	$1,865	57	+13.5%	Elevated
Starkville	1	$2,073	57	+12.5%	Elevated
Marion	1	$2,153	57	+10.0%	Elevated
Waynesboro	1	$2,104	57	+10.0%	Elevated
Pearl River	1	$1,879	57	+12.8%	Elevated
Brandon	1	$2,134	57	+13.0%	Elevated
Standing Pine	1	$1,734	57	+10.4%	Elevated
Centreville	1	$2,828	57	+14.1%	Elevated
Okolona	1	$1,808	57	+12.6%	Elevated
Vardaman	1	$1,688	57	+14.0%	Elevated
West Point	1	$1,881	57	+10.8%	Elevated
Oakland	2	$1,788	56	+13.8%	Elevated
Kirkville	1	$1,805	56	+15.7%	Elevated
Polkville	2	$1,784	56	+11.0%	Elevated
Glen	1	$1,728	56	+15.1%	Elevated
Eupora	1	$1,869	56	+11.3%	Elevated
Meadville	2	$2,001	55	+11.3%	Elevated
Biggersville	1	$1,792	55	+15.2%	Elevated
Mathiston	1	$1,702	55	+12.8%	Elevated
Southaven	2	$2,002	55	+13.1%	Elevated
Gattman	1	$1,840	55	+12.7%	Elevated
Lena	1	$1,846	55	+10.5%	Elevated
Guntown	1	$1,859	55	+12.8%	Elevated
Mantee	1	$1,858	54	+12.0%	Elevated
Forest	1	$1,909	54	+11.5%	Elevated
Blue Springs	1	$1,708	54	+14.9%	Elevated
Redwater	1	$1,917	54	+12.9%	Elevated
Mize	1	$2,122	53	+9.7%	Elevated
Randolph	1	$1,664	53	+10.4%	Elevated
Moorhead	1	$2,117	53	+10.1%	Elevated
Duck Hill	2	$1,671	53	+10.0%	Elevated
Bruce	1	$1,818	53	+12.2%	Elevated
West	1	$2,286	53	+19.3%	Elevated
Belmont	2	$1,883	53	+12.3%	Elevated
Pontotoc	1	$1,877	53	+11.8%	Elevated
Mooreville	1	$1,894	53	+13.1%	Elevated
Pheba	2	$1,695	52	+12.2%	Elevated
Coffeeville	1	$1,857	52	+11.6%	Elevated
De Kalb	2	$1,796	52	+10.2%	Elevated
Conehatta	1	$1,740	52	+11.6%	Elevated
Oxford	1	$2,354	52	+11.7%	Elevated
Caledonia	1	$1,892	52	+12.2%	Elevated
Water Valley	1	$1,830	52	+11.7%	Elevated
Alcorn State University	1	$2,485	52	+13.1%	Elevated
Baldwyn	1	$1,821	52	+12.4%	Elevated
Mantachie	1	$1,700	52	+12.7%	Elevated
Ripley	1	$1,966	52	+13.8%	Elevated
New Albany	1	$1,897	51	+13.5%	Elevated
Lula	1	$2,083	51	+8.7%	Elevated
State Line	1	$2,031	51	+8.0%	Elevated
Abbeville	1	$1,960	51	+9.8%	Elevated
Hermanville	1	$2,035	51	+7.9%	Elevated
Lauderdale	1	$1,948	51	+8.0%	Elevated
Strayhorn	1	$1,962	51	+10.3%	Elevated
New Houlka	1	$1,756	50	+14.2%	Elevated
Chunky	1	$1,648	50	+8.9%	Elevated
Corinth	1	$1,972	50	+13.6%	Elevated
Decatur	1	$1,913	50	+12.9%	Elevated
Ethel	1	$1,716	50	+11.9%	Elevated
Ecru	1	$1,633	50	+12.4%	Elevated
Walnut	1	$1,789	50	+14.6%	Elevated
Collinsville	2	$1,855	49	+11.2%	Elevated
Nettleton	1	$1,818	49	+13.2%	Elevated
Charleston	1	$1,824	48	+11.3%	Elevated
Sallis	1	$1,877	48	+12.0%	Elevated
Booneville	1	$1,888	48	+13.9%	Elevated
Maben	1	$1,750	47	+13.3%	Elevated
Fulton	1	$1,905	46	+13.7%	Elevated
Woodland	1	$1,684	46	+11.4%	Elevated
Leakesville	1	$2,346	46	+11.8%	Elevated
Houston	1	$1,806	46	+13.9%	Elevated
Courtland	1	$1,795	45	+11.3%	Elevated
Scooba	1	$1,506	43	+7.9%	Elevated
Hickory Flat	1	$1,839	41	+9.2%	Elevated

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Highest Risk ZIPs

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Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.