InsureWatch

39180

High63

Vicksburg, Mississippi — Warren County

Pop. 29,769Median Income $53,293Median Home $140,300
0/ 100High Risk

2025 Estimated Premium

$2,301/yr

+12.8% from 2022 actual ($2,040)

Projected using FRED CPI for Household Insurance, adjusted for this ZIP's historical trend. Not a quote.

Avg Premium (2022)

$2,040

+1.4%

2018–2025

Nonrenewal Rate

1.35%

2018–2022

Claim Frequency

8.3%

Avg Claim Amount

$21,759

Score Breakdown

Premium Level (25%)77
Premium Trend (20%)57
Nonrenewal Risk (20%)71
Storm Exposure (15%)44
Affordability (10%)86
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201825 events
Property damage$290,000
2 tornado7 flood
19
201926 events
Property damage$1,652,000
6 tornado1 hail6 flood
20
202014 events
Property damage$191,000
1 hail6 flood
21
202110 events
Property damage$605,000
1 tornado
22
202228 events
Property damage$1,928,000
10 tornado2 hail
23
202315 events
Property damage$1,302,000
1 tornado3 hail
24
202419 events
Property damage$1,273,000
3 tornado2 hail1 flood
25
202510 events
Property damage$36,000

Nearby ZIP Codes

39183Vicksburg, MS
64High
39066Edwards, MS
73High
39175Utica, MS
76High
39150Port Gibson, MS
68High
39086Hermanville, MS
51Elevated

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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.