Mississippi Homeowners Insurance

Reviewed byPlaininsure Editorial, Homeowners Insurance Transparency Editorial Team · June 4, 2026

U.S. Treasury FIO data for 333 ZIP codes in Mississippi (MS).

Homeowners in Mississippi pay an average of $1,976 per year for home insurance — 11% above the national average of $1,776. That ranks Mississippi as the 14th most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums rose by 2.5%.

On five-year premium growth (2018–2022), Mississippi ranks 39th out of 51 states. Its nonrenewal rate (1.48%) ranks 11th out of 50 — nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

Source: U.S. Department of the Treasury, Federal Insurance Office — "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for caveats.

Avg Premium

$1,976/yr

National avg: $1,776 (+11% above)

Premium Change

+2.5%

2018-2022 change

Avg Loss Ratio

50.2%

Claims paid vs premiums earned

Nonrenewal Rate

1.48%

+6.5% change

Data Snapshot: Mississippi Homeowners Insurance

Mississippi homeowners paid an average of $1,976 per year for home insurance based on U.S. Treasury FIO data covering 333 ZIP codes across the state. That is 11% above the national average of $1,776 per year reported by the Federal Insurance Office. Mississippi ranks 14th most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $1,395 in 39358 to $3,607 in 39564.

Between 2018 and 2022, average premiums rose by 2.5% in Mississippi, placing the state 39th nationally on five-year premium growth. The state-level loss ratio averaged 50.2%, meaning insurers retained a healthy margin after claims, typical of stable markets. Nonrenewal rates — the share of policies insurers decline to extend at expiration — averaged 1.48%, a climb of 6.5% over the study period (ranking 11th out of 50 states).

Within Mississippi, premium dispersion across ZIP codes is substantial: the most expensive ZIP (39564 in Ocean Springs) charges 159% more than the least expensive (39358 in Scooba), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is for educational research only and is not insurance advice — homeowners should obtain quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.

Loss Ratio Reading: Mississippi

Mississippi statewide — FIO 2018-2022 average: 50% (Insurer-favorable) — low claim payout — insurer retains a healthy margin.

ZIP Codes Tracked

333

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$1,929	$1,870	47.1%	5.70%	1.39%
2019	$1,936 (+0.4%)	$1,899	43.1%	6.35%	0.77%
2020	$1,913 (-1.2%)	$1,883	62.8%	9.20%	0.78%
2021	$1,954 (+2.1%)	$1,908	54.1%	7.49%	1.10%
2022	$1,976 (+1.2%)	$1,921	50.2%	6.67%	1.48%

Average Premium by Year

$1,929

2018

$1,936

2019

$1,913

2020

$1,954

2021

$1,976

2022

Most Expensive ZIP Codes in Mississippi

Most Affordable ZIP Codes in Mississippi

All ZIP Codes in Mississippi

333 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
39564	Ocean Springs	$3,607	4.8%	1.43%	3.72%
39507	Gulfport	$3,588	18.1%	2.69%	4.47%
39572	Pearlington	$3,572	N/A	N/A	1.52%
39571	Pass Christian	$3,403	39.8%	3.50%	1.78%
39531	Biloxi	$3,270	20.6%	2.12%	1.95%
39216	Jackson	$3,080	54.8%	9.93%	1.29%
39567	Pascagoula	$3,026	14.2%	3.11%	6.22%
39520	Bay Saint Louis	$2,995	6.1%	1.61%	2.37%
39556	Kiln	$2,964	52.6%	4.01%	1.80%
39560	Long Beach	$2,952	6.2%	1.22%	2.29%
39530	Biloxi	$2,946	10.1%	2.98%	2.20%
39553	Gautier	$2,919	12.9%	1.75%	3.67%
39525	Diamondhead	$2,877	4.2%	1.66%	4.47%
39669	Woodville	$2,865	12.6%	4.15%	3.49%
39211	Jackson	$2,852	73.4%	11.31%	2.10%
39563	Moss Point	$2,843	11.3%	2.40%	3.38%
39581	Pascagoula	$2,808	17.3%	4.55%	6.50%
39540	Diberville	$2,692	7.4%	1.46%	3.01%
39501	Gulfport	$2,669	22.6%	2.67%	3.53%
39565	Vancleave	$2,659	9.9%	1.86%	3.77%
39576	Waveland	$2,658	0.7%	0.86%	1.20%
38744	Glen Allan	$2,637	22.8%	4.59%	0.92%
39503	Gulfport	$2,629	11.0%	2.26%	3.22%
39532	Biloxi	$2,627	9.5%	2.07%	3.88%
39402	Hattiesburg	$2,588	65.7%	12.82%	1.22%
39574	Saucier	$2,570	17.7%	1.94%	3.37%
39470	Poplarville	$2,563	10.3%	2.49%	1.42%
39157	Ridgeland	$2,546	64.1%	10.73%	1.29%
38626	Dundee	$2,532	4.6%	1.70%	2.27%
39202	Jackson	$2,502	83.5%	8.72%	1.69%
39071	Flora	$2,481	61.2%	11.90%	0.61%
39631	Centreville	$2,478	53.2%	7.60%	0.58%
39562	Moss Point	$2,444	16.6%	2.46%	4.24%
38957	Sumner	$2,420	34.3%	14.75%	4.92%
39426	Carriere	$2,410	44.8%	4.15%	2.37%
39652	Magnolia	$2,407	34.5%	7.65%	1.71%
38642	Lamar	$2,380	28.2%	8.14%	2.33%
39466	Picayune	$2,353	19.5%	4.22%	3.11%
39110	Madison	$2,352	55.4%	8.62%	1.66%
39150	Port Gibson	$2,350	9.4%	5.26%	0.88%
39452	Lucedale	$2,348	19.8%	3.14%	3.19%
39577	Wiggins	$2,339	15.7%	2.33%	1.32%
39120	Natchez	$2,325	41.3%	7.99%	1.38%
38769	Rosedale	$2,318	29.9%	6.70%	0.96%
38730	Boyle	$2,317	19.6%	5.26%	1.32%
38774	Shelby	$2,312	404.7%	20.31%	3.13%
39573	Perkinston	$2,298	7.0%	1.83%	1.49%
38664	Robinsonville	$2,297	71.1%	10.40%	1.60%
39170	Terry	$2,294	57.7%	9.44%	1.57%
39667	Tylertown	$2,283	43.1%	8.93%	1.21%
38773	Shaw	$2,279	43.7%	9.57%	2.13%
38676	Tunica	$2,278	47.3%	10.84%	2.80%
38753	Inverness	$2,275	34.7%	7.94%	0.93%
39666	Summit	$2,272	28.0%	5.54%	1.27%
39154	Raymond	$2,251	55.7%	9.95%	1.04%
39482	Sumrall	$2,251	68.0%	9.41%	1.32%
39648	Mccomb	$2,247	22.1%	4.95%	1.78%
39475	Purvis	$2,244	50.8%	8.54%	1.01%
39159	Rolling Fork	$2,235	37.5%	11.89%	2.87%
38725	Benoit	$2,232	23.2%	4.50%	N/A
39561	Mc Henry	$2,211	125.1%	3.30%	1.65%
39657	Osyka	$2,208	24.0%	6.60%	1.39%
39232	Flowood	$2,202	73.5%	11.13%	1.45%
39096	Lorman	$2,197	55.0%	9.59%	0.68%
38646	Marks	$2,195	36.4%	3.30%	1.98%
39140	Newhebron	$2,188	21.5%	9.09%	0.94%
38759	Merigold	$2,188	45.3%	5.16%	0.79%
39429	Columbia	$2,182	45.5%	5.23%	1.79%
39601	Brookhaven	$2,180	27.6%	5.88%	1.39%
39179	Vaughan	$2,178	26.5%	6.62%	0.74%
39066	Edwards	$2,173	77.9%	18.65%	3.02%
39455	Lumberton	$2,170	56.1%	4.42%	1.74%
39643	Kokomo	$2,166	297.7%	29.82%	2.34%
39305	Meridian	$2,165	40.0%	6.22%	1.54%
39204	Jackson	$2,165	96.8%	19.42%	3.66%
39069	Fayette	$2,165	175.3%	8.43%	1.11%
38756	Leland	$2,157	58.8%	8.65%	0.90%
39401	Hattiesburg	$2,157	71.8%	10.36%	1.68%
39440	Laurel	$2,156	55.8%	8.05%	1.94%
38748	Hollandale	$2,153	49.4%	10.27%	2.70%
38746	Gunnison	$2,148	122.8%	8.64%	2.47%
38614	Clarksdale	$2,147	45.4%	8.39%	1.70%
38647	Michigan City	$2,136	131.5%	20.63%	N/A
39663	Silver Creek	$2,128	41.3%	11.32%	1.84%
39638	Gloster	$2,123	65.8%	5.70%	0.95%
38963	Tutwiler	$2,115	74.7%	6.36%	1.16%
39206	Jackson	$2,113	59.9%	11.72%	1.79%
39111	Magee	$2,110	41.6%	6.37%	1.37%
38645	Lyon	$2,110	13.2%	4.17%	2.78%
39465	Petal	$2,107	79.2%	11.62%	1.36%
38655	Oxford	$2,107	21.0%	3.38%	0.78%
38751	Indianola	$2,106	21.3%	7.92%	1.27%
39483	Foxworth	$2,106	100.4%	15.26%	1.63%
39149	Pinola	$2,099	40.8%	7.04%	2.01%
39041	Bolton	$2,099	89.2%	13.02%	0.39%
39451	Leakesville	$2,098	19.6%	6.42%	0.22%
39119	Mount Olive	$2,098	69.9%	5.98%	1.10%
38737	Drew	$2,097	51.8%	6.45%	1.38%
38654	Olive Branch	$2,097	39.9%	7.10%	1.27%
39462	New Augusta	$2,091	9.3%	3.96%	5.94%
39079	Goodman	$2,089	417.5%	34.38%	0.78%
39212	Jackson	$2,086	76.2%	13.95%	2.15%
39114	Mendenhall	$2,082	46.3%	7.15%	1.49%
39645	Liberty	$2,081	103.6%	8.61%	1.46%
38778	Sunflower	$2,079	100.1%	11.22%	2.04%
39183	Vicksburg	$2,079	45.4%	9.83%	1.53%
39209	Jackson	$2,073	94.7%	13.50%	2.07%
38701	Greenville	$2,071	56.3%	6.57%	1.72%
39421	Bassfield	$2,070	53.6%	8.94%	0.81%
38732	Cleveland	$2,068	24.3%	6.44%	1.13%
39194	Yazoo City	$2,068	53.0%	8.54%	1.68%
39641	Jayess	$2,068	21.7%	6.08%	0.45%
38661	Red Banks	$2,052	28.5%	6.73%	3.22%
38771	Ruleville	$2,051	25.6%	7.62%	1.99%
38641	Lake Cormorant	$2,050	66.1%	6.14%	2.16%
39476	Richton	$2,049	57.4%	8.44%	1.65%
39423	Beaumont	$2,048	38.5%	10.53%	1.21%
39474	Prentiss	$2,047	89.1%	7.00%	0.98%
39175	Utica	$2,045	28.9%	7.79%	1.66%
39654	Monticello	$2,042	66.4%	7.32%	1.72%
39180	Vicksburg	$2,040	88.5%	8.30%	1.35%
38930	Greenwood	$2,039	46.9%	8.22%	1.29%
39083	Hazlehurst	$2,039	82.7%	8.38%	2.02%
39046	Canton	$2,037	57.8%	8.07%	1.65%
38943	Mc Carley	$2,027	20.4%	7.55%	1.26%
38611	Byhalia	$2,026	55.0%	5.77%	1.06%
39661	Roxie	$2,021	16.5%	3.56%	1.07%
39629	Bogue Chitto	$2,015	24.7%	5.89%	1.44%
39428	Collins	$2,014	47.1%	8.45%	1.15%
38762	Mound Bayou	$2,012	6.7%	3.13%	1.04%
39701	Columbus	$2,011	17.8%	4.06%	1.35%
38635	Holly Springs	$2,010	39.8%	8.16%	1.66%
38651	Nesbit	$2,004	43.6%	7.15%	1.24%
39479	Seminary	$2,001	119.6%	7.48%	1.25%
39038	Belzoni	$1,999	73.3%	9.42%	1.37%
38826	Belden	$1,998	68.2%	4.89%	0.81%
38804	Tupelo	$1,998	32.6%	4.47%	1.34%
39478	Sandy Hook	$1,996	168.9%	8.86%	5.17%
39056	Clinton	$1,996	70.5%	10.66%	1.09%
39203	Jackson	$1,995	15.3%	9.68%	3.63%
39459	Moselle	$1,991	116.3%	8.53%	0.93%
39332	Hickory	$1,990	152.0%	8.77%	0.88%
39039	Benton	$1,988	77.5%	14.52%	1.10%
39059	Crystal Springs	$1,980	29.2%	6.72%	1.19%
38643	Lambert	$1,980	198.9%	17.52%	1.46%
39168	Taylorsville	$1,979	45.5%	9.42%	1.68%
38632	Hernando	$1,977	35.3%	4.80%	1.10%
39664	Smithdale	$1,974	38.4%	6.49%	0.59%
39191	Wesson	$1,971	30.4%	5.76%	1.24%
39705	Columbus	$1,971	45.2%	5.69%	1.11%
39437	Ellisville	$1,968	32.6%	5.93%	1.20%
39047	Brandon	$1,963	156.5%	19.28%	1.34%
39045	Camden	$1,962	18.3%	7.46%	0.75%
39342	Marion	$1,958	20.5%	6.29%	0.63%
39456	Mc Lain	$1,956	26.7%	5.30%	3.03%
39443	Laurel	$1,949	45.8%	6.50%	0.83%
39330	Enterprise	$1,942	33.9%	5.74%	1.67%
39480	Soso	$1,941	151.3%	6.49%	0.63%
39272	Byram	$1,940	53.7%	12.92%	1.45%
39040	Bentonia	$1,937	48.8%	9.07%	1.30%
39213	Jackson	$1,937	70.8%	9.19%	1.51%
39662	Ruth	$1,934	17.9%	6.19%	1.33%
39116	Mize	$1,934	110.2%	8.06%	0.46%
39146	Pickens	$1,931	139.9%	11.70%	1.13%
38761	Moorhead	$1,922	30.9%	8.00%	N/A
39320	Bailey	$1,921	19.9%	4.79%	1.13%
39347	Pachuta	$1,921	35.7%	6.18%	0.28%
38754	Isola	$1,918	13.0%	5.80%	1.45%
39192	West	$1,916	79.9%	5.73%	0.44%
38617	Coahoma	$1,916	72.2%	4.11%	N/A
39355	Quitman	$1,913	66.8%	6.04%	0.72%
39367	Waynesboro	$1,913	47.8%	8.44%	0.96%
39464	Ovett	$1,911	43.2%	6.57%	1.71%
38673	Taylor	$1,909	10.9%	4.46%	0.74%
38672	Southaven	$1,905	37.1%	6.71%	1.00%
39044	Braxton	$1,904	35.7%	4.58%	2.19%
39176	Vaiden	$1,901	18.4%	6.56%	0.82%
39322	Buckatunna	$1,899	40.2%	4.23%	0.94%
38680	Walls	$1,898	22.2%	5.52%	1.42%
38703	Greenville	$1,897	83.2%	7.45%	2.03%
39145	Pelahatchie	$1,890	43.7%	7.41%	1.18%
39042	Brandon	$1,889	65.1%	9.57%	0.99%
38917	Carrollton	$1,886	19.0%	3.04%	1.01%
39086	Hermanville	$1,885	40.1%	10.61%	0.76%
39362	State Line	$1,881	38.6%	6.92%	0.94%
38619	Como	$1,880	70.9%	8.79%	1.15%
39095	Lexington	$1,875	28.0%	6.74%	1.80%
39082	Harrisville	$1,875	10.7%	2.21%	1.66%
39364	Toomsuba	$1,862	177.1%	5.34%	1.53%
38685	Waterford	$1,861	14.9%	5.17%	N/A
39653	Meadville	$1,860	19.6%	5.25%	0.93%
38618	Coldwater	$1,857	58.3%	6.31%	1.16%
39153	Raleigh	$1,854	37.6%	4.88%	2.22%
38901	Grenada	$1,853	39.5%	6.53%	1.19%
39425	Brooklyn	$1,852	18.7%	2.23%	1.12%
38852	Iuka	$1,850	28.7%	2.75%	1.00%
39345	Newton	$1,848	41.5%	8.46%	1.25%
38954	Sidon	$1,847	4.6%	3.80%	N/A
39759	Starkville	$1,842	29.0%	4.34%	1.01%
39073	Florence	$1,842	41.7%	6.37%	1.31%
38621	Crenshaw	$1,842	341.0%	8.11%	0.90%
39360	Shubuta	$1,841	101.7%	5.41%	1.18%
38668	Senatobia	$1,841	27.4%	5.54%	1.51%
38941	Itta Bena	$1,839	46.0%	10.07%	1.80%
39090	Kosciusko	$1,829	77.5%	7.91%	1.46%
39063	Durant	$1,820	27.6%	4.47%	1.37%
39439	Heidelberg	$1,812	38.8%	8.73%	0.99%
39747	Kilmichael	$1,809	12.3%	3.65%	3.20%
38940	Holcomb	$1,807	31.7%	6.04%	1.45%
38866	Saltillo	$1,807	47.2%	7.01%	0.92%
38606	Batesville	$1,806	93.0%	7.98%	1.52%
38666	Sardis	$1,806	36.4%	5.59%	1.30%
39335	Lauderdale	$1,805	31.3%	5.00%	0.96%
38967	Winona	$1,804	46.7%	5.86%	1.72%
38801	Tupelo	$1,803	33.5%	5.85%	0.86%
39301	Meridian	$1,801	114.8%	10.93%	1.51%
38603	Ashland	$1,797	67.6%	7.61%	1.12%
39325	Collinsville	$1,786	23.7%	4.59%	0.61%
38601	Abbeville	$1,785	6.2%	2.17%	0.24%
38665	Sarah	$1,779	9.5%	1.98%	0.25%
38659	Potts Camp	$1,769	29.4%	4.21%	0.79%
38862	Plantersville	$1,769	20.8%	3.39%	0.78%
38923	Coila	$1,760	24.4%	5.42%	3.01%
39336	Lawrence	$1,758	70.6%	10.14%	N/A
39366	Vossburg	$1,755	69.4%	9.60%	1.60%
39422	Bay Springs	$1,746	26.8%	4.95%	1.02%
39169	Tchula	$1,745	160.6%	11.33%	2.00%
38916	Calhoun City	$1,739	14.0%	4.96%	1.65%
39326	Daleville	$1,737	19.6%	3.57%	0.89%
39338	Louin	$1,736	57.8%	8.72%	0.97%
38834	Corinth	$1,736	70.5%	9.45%	0.69%
39647	Mc Call Creek	$1,735	28.9%	1.63%	1.09%
39730	Aberdeen	$1,733	29.8%	4.88%	1.09%
38827	Belmont	$1,732	37.8%	5.46%	0.82%
38663	Ripley	$1,728	35.6%	3.49%	0.86%
39339	Louisville	$1,728	51.9%	7.47%	1.01%
38610	Blue Mountain	$1,727	82.2%	4.60%	0.86%
38870	Smithville	$1,720	64.3%	5.36%	0.54%
39356	Rose Hill	$1,718	110.6%	7.69%	0.96%
39074	Forest	$1,712	27.9%	6.67%	0.95%
39481	Stringer	$1,712	99.0%	7.76%	0.90%
38927	Enid	$1,712	6.6%	2.66%	1.60%
38629	Falkner	$1,706	105.5%	7.41%	N/A
39745	French Camp	$1,705	40.9%	8.39%	1.40%
39773	West Point	$1,698	35.5%	5.43%	1.30%
39051	Carthage	$1,697	57.0%	8.43%	0.87%
39363	Stonewall	$1,697	19.5%	5.73%	2.08%
39327	Decatur	$1,694	59.8%	9.17%	0.54%
39117	Morton	$1,692	33.1%	6.08%	1.54%
39365	Union	$1,687	98.1%	10.51%	1.13%
39740	Caledonia	$1,686	11.3%	3.20%	0.78%
38633	Hickory Flat	$1,684	19.7%	3.13%	0.31%
38821	Amory	$1,681	49.4%	4.58%	1.28%
39477	Sandersville	$1,680	128.9%	5.13%	N/A
39744	Eupora	$1,680	58.5%	4.25%	1.29%
38863	Pontotoc	$1,679	26.2%	3.40%	0.96%
39160	Sallis	$1,676	42.8%	7.82%	0.34%
39341	Macon	$1,676	58.4%	7.18%	1.41%
38843	Fulton	$1,675	35.6%	5.23%	0.45%
39735	Ackerman	$1,675	12.0%	4.53%	1.08%
38948	Oakland	$1,674	15.0%	4.16%	0.98%
38857	Mooreville	$1,674	62.4%	9.37%	0.55%
38879	Verona	$1,672	115.2%	8.93%	1.79%
38652	New Albany	$1,672	28.7%	5.36%	0.81%
39094	Lena	$1,671	65.0%	6.18%	1.37%
39350	Philadelphia	$1,666	38.8%	6.29%	0.81%
38637	Horn Lake	$1,665	33.5%	7.84%	2.18%
38922	Coffeeville	$1,664	8.7%	2.96%	0.63%
38627	Etta	$1,662	26.3%	4.93%	1.35%
39751	Mantee	$1,659	6.3%	3.55%	N/A
38829	Booneville	$1,658	21.4%	3.12%	0.73%
39743	Crawford	$1,650	29.3%	6.05%	1.86%
38849	Guntown	$1,649	13.5%	2.71%	0.70%
39769	Sturgis	$1,648	8.2%	2.01%	0.86%
39208	Pearl	$1,644	40.9%	7.10%	1.33%
39307	Meridian	$1,643	54.2%	8.27%	2.13%
38921	Charleston	$1,639	188.5%	12.42%	0.68%
38965	Water Valley	$1,638	33.5%	4.61%	1.23%
39702	Columbus	$1,637	23.9%	4.85%	1.45%
38671	Southaven	$1,633	49.3%	9.09%	1.35%
38848	Greenwood Springs	$1,632	10.0%	2.90%	0.72%
38824	Baldwyn	$1,621	38.4%	5.24%	1.33%
38847	Golden	$1,620	32.4%	2.80%	0.51%
38915	Bruce	$1,620	59.7%	7.89%	0.73%
38650	Myrtle	$1,615	21.7%	2.76%	1.45%
38620	Courtland	$1,613	35.7%	5.19%	0.74%
39218	Richland	$1,609	80.9%	12.06%	1.34%
38858	Nettleton	$1,606	30.9%	3.06%	0.82%
38860	Okolona	$1,606	24.2%	5.78%	1.52%
39352	Porterville	$1,601	14.2%	5.56%	2.22%
38658	Pope	$1,601	30.9%	4.11%	0.91%
39354	Preston	$1,591	21.7%	7.02%	0.83%
38851	Houston	$1,585	50.5%	5.52%	0.60%
38868	Shannon	$1,584	30.2%	5.41%	0.90%
39346	Noxapater	$1,580	154.1%	8.03%	0.80%
39092	Lake	$1,579	46.5%	5.09%	1.07%
38873	Tishomingo	$1,577	13.3%	3.79%	1.63%
39189	Walnut Grove	$1,571	29.6%	6.72%	1.34%
38925	Duck Hill	$1,564	46.2%	1.77%	0.76%
38683	Walnut	$1,561	35.0%	7.58%	0.49%
38856	Marietta	$1,560	21.2%	4.61%	1.32%
39746	Hamilton	$1,559	37.2%	4.91%	1.32%
39057	Conehatta	$1,559	38.7%	5.47%	0.50%
39766	Steens	$1,557	91.8%	7.50%	1.10%
38865	Rienzi	$1,556	55.4%	9.00%	1.16%
39108	Mc Cool	$1,555	12.4%	2.09%	N/A
39337	Little Rock	$1,550	14.0%	5.67%	0.35%
39772	Weir	$1,545	22.6%	5.78%	0.89%
39750	Maben	$1,544	9.4%	1.76%	0.44%
39739	Brooksville	$1,543	38.7%	2.69%	2.69%
38850	Houlka	$1,538	46.9%	6.50%	0.85%
39067	Ethel	$1,534	37.3%	5.76%	0.52%
39152	Pulaski	$1,522	29.6%	6.16%	0.68%
39328	De Kalb	$1,521	89.4%	4.60%	0.85%
38871	Thaxton	$1,514	45.1%	3.07%	0.92%
39323	Chunky	$1,514	17.3%	2.79%	0.56%
39755	Pheba	$1,513	10.8%	4.08%	0.68%
39776	Woodland	$1,511	36.3%	7.36%	0.43%
39752	Mathiston	$1,509	52.5%	4.73%	1.08%
39741	Cedarbluff	$1,509	38.6%	1.25%	0.83%
38855	Mantachie	$1,508	13.4%	2.86%	1.12%
38864	Randolph	$1,508	139.4%	5.68%	1.14%
38846	Glen	$1,502	26.0%	5.67%	1.13%
38833	Burnsville	$1,501	36.9%	5.46%	1.37%
38838	Dennis	$1,498	72.7%	2.99%	1.71%
38828	Blue Springs	$1,487	48.4%	3.72%	1.03%
38878	Vardaman	$1,481	21.4%	2.73%	1.02%
38929	Gore Springs	$1,473	39.1%	3.14%	1.35%
38953	Scobey	$1,467	6.9%	2.46%	N/A
38841	Ecru	$1,453	17.6%	3.88%	0.73%
39767	Stewart	$1,446	11.1%	4.65%	1.55%
38625	Dumas	$1,405	33.1%	4.85%	1.82%
39358	Scooba	$1,395	14.3%	5.99%	0.60%

Mississippi Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How Mississippi compares to other states

Related Data for Mississippi

Natural Disaster Risk

FEMA disaster & NOAA storm data for Mississippi

Wildfire Risk Data

USDA wildfire risk assessments for Mississippi

Rental Market Data

HUD fair market rents in Mississippi

Cost of Living

BEA regional price parities across metros

Property Taxes

County property tax rates in Mississippi

Climate Data

NOAA climate normals for Mississippi

Frequently Asked Questions

What is the average homeowners insurance cost in Mississippi? ▼

The average homeowners insurance premium in Mississippi is $1,976 per year, based on U.S. Treasury FIO data covering 333 ZIP codes. This is 11% above the national average of $1,776.

How have insurance premiums changed in Mississippi? ▼

Mississippi homeowners insurance premiums changed by +2.5% between 2018 and 2022. The average loss ratio is 50.2%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in Mississippi? ▼

The most expensive ZIP code for homeowners insurance in Mississippi is 39564, with an average premium of $3,607/yr. The most affordable is 39358 at $1,395/yr.

What is the nonrenewal rate for Mississippi homeowners insurance? ▼

The average nonrenewal rate in Mississippi is 1.48%. This rate has changed by +6.5% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 39581 has the highest nonrenewal rate in the state at 6.50%.

What is a loss ratio and what does Mississippi's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Mississippi's average loss ratio is 50.2%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in Mississippi? ▼

The average claim frequency in Mississippi is 6.67%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $14,447. Higher claim frequency and severity typically correlate with higher premiums.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

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Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainInsure Editorial

Reviewed byPlaininsure Editorial, Homeowners Insurance Transparency Editorial Team · June 4, 2026

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