Homeowners insurance in Mississippi: premium by ZIP code
Mississippi's median ZIP code paid $1,921 per policy in 2022, and 3.03% of policies were cancelled for nonpayment, among the highest rates.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, Mississippi (median ZIP code)
$1,921
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $2,559.
| Change from 2018 to 2022, after inflation | +2.7% |
| Premium per policy in 2018 | $1,870 |
| Premium per policy in 2022 | $1,921 |
| 2022 premium carried to September 2026 (BLS index) | $2,559 |
| Policies not renewed by the insurer, 2022 | 1.25% |
| Claims paid per 100 policies, yearly average | 6.8 |
| Average claim paid, 2018 to 2022 (adjusted) | $13,599 |
| Cancelled for nonpayment, 2022 | 3.03% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.
Compiled by Radif Partners · Where the numbers come from · 333 ZIP codes in 81 counties of Mississippi in the Treasury file · not a quote
Mississippi homeowners paid $1,921 per policy in the median ZIP code in 2022, ranked 12 of 51 and above the national $1,551, after a modest rise of +3.5% after inflation. The state is poorer than most, and the premium weighs more in household budgets: cancellations for nonpayment ran at 3.03%, among the highest in the country, against 1.47% nationally. Claims were frequent, 6.8 per 100 policies a year, ranked 7, with a peak of 7.4 in 2020. On the Gulf Coast, Harrison County paid $2,819 and the dearest ZIP codes, 39564 in Jackson County and 39507 in Harrison County, about $3,600. Nonrenewals rose to 1.25% in 2022, ranked 10 of 51. Two state plans serve homes private insurers decline: a windstorm plan on the coast and a FAIR plan inland. The data stop in 2022.
The Gulf Coast
Harrison County, with Gulfport and Biloxi, had 10 ZIP codes in the file and a median of $2,819 in 2022, a fall of -6.9% after inflation from 2018. ZIP 39564 in Jackson County, around Ocean Springs, paid $3,607, and 39507 in Harrison County $3,588. Those are high figures for Mississippi but low next to the Florida or Alabama coasts, and many coastal owners also carry wind coverage from the Mississippi Windstorm Underwriting Association, which is outside the file.
A Gulf Coast claim with a percentage deductible
Example, not your result yet· change a figure to see yours
The insurer would pay
$9,500
| Full percentage deductible | $12,500 |
| Paid with the flat deductible instead | $21,000 |
| Extra you carry because of the percentage | $11,500 |
| 2% of this dwelling limit | $5,000 |
Jackson, DeSoto and the Delta
Hinds County, Jackson, paid $2,106. DeSoto County, in the Memphis suburbs, paid $1,941 after a rise of +6.5%, the fastest of the large counties. Bolivar County, in the Delta, paid $2,232, above the state median. The cheapest ZIP codes were in the east and north: 39358 in Kemper County at $1,395 and 38625 in Tippah County at $1,405. Even the cheapest tenth of Mississippi ZIP codes paid over $1,562.
Storms inland
Mississippi's claims are not only coastal. Paid claims rose to 7.4 per 100 policies in 2020, with Hurricane Zeta and an Easter tornado outbreak that year, and stayed high in 2021 at 6.8. The paid loss ratio peaked at 42% in 2021. The average claim was $13,599, below the national figure: many roof and tree claims rather than total losses.
Nonpayment, renewals and the two plans
A cancellation for nonpayment leaves a gap that the next insurer will ask about, and with a mortgage it brings force-placed coverage at a higher price. Paying through escrow, as explained on the monthly cost page, avoids most lapses. Nonrenewals rose from 0.61% in 2019 to 1.25% in 2022. The Mississippi Residential Property Insurance Underwriting Association is the state's FAIR plan, writing dwelling fire policies, with wind and hail allowed outside three coastal counties. The Mississippi Insurance Department handles complaints.
Mississippi, year by year
| Year | Mississippi median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $1,870 | $1,445 | 1.18% | 5.4 | 34% |
| 2019 | $1,899 | $1,469 | 0.61% | 5.9 | 32% |
| 2020 | $1,883 | $1,491 | 0.66% | 7.4 | 41% |
| 2021 | $1,908 | $1,521 | 0.96% | 6.8 | 42% |
| 2022 | $1,921 | $1,551 | 1.25% | 6.1 | 38% |
The Mississippi counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| Hinds County | 16 | $2,061 | $2,106 | +0.8% | 1.68% | $13,459 |
| Harrison County | 10 | $2,868 | $2,819 | -6.9% | 3.11% | $12,905 |
| Bolivar County | 9 | $2,159 | $2,232 | +3.0% | 1.13% | $16,537 |
| DeSoto County | 8 | $1,835 | $1,941 | +6.5% | 1.31% | $13,761 |
| Lauderdale County | 8 | $1,891 | $1,833 | +1.9% | 1.32% | $13,531 |
| Lee County | 8 | $1,608 | $1,721 | +7.1% | 0.88% | $13,748 |
| Attala County | 7 | $1,596 | $1,705 | +5.8% | 0.52% | $13,621 |
| Jackson County | 7 | $3,134 | $2,843 | -10.4% | 3.77% | $14,116 |
Highest and lowest premiums per policy, Mississippi ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 39564 | Jackson County | $3,607 | -11.1% | 3.72% |
| 39507 | Harrison County | $3,588 | -8.6% | 4.47% |
| 39572 | Hancock County | $3,572 | +12.9% | 1.52% |
| 39571 | Harrison County | $3,403 | -3.2% | 1.78% |
| 39531 | Harrison County | $3,270 | -12.0% | 1.95% |
| 39358 | Kemper County | $1,395 | -6.4% | 0.60% |
| 38625 | Tippah County | $1,405 | +10.1% | 1.82% |
| 39767 | Webster County | $1,446 | +5.4% | 1.55% |
| 38841 | Pontotoc County | $1,453 | +4.4% | 0.73% |
| 38953 | Tallahatchie County | $1,467 | +1.8% | 0.00% |