Home Insurance in Mississippi — Average Cost 2026
Average home insurance in Mississippi: $2,220/year ($185/month). Mississippi ranks #45 out of 51 states — above the national average.
Average annual
$2,220
Average monthly
$185
National rank
#45
of 51 states
vs national avg
+55.5%
Mississippi vs national average
Get your personalized estimate
State averages are the starting point. Your actual rate depends on your individual profile. Use our calculator for a detailed estimate.
Why is home insurance expensive in Mississippi?
Mississippi faces elevated home insurance costs due to significant hurricane and wind storm exposure. Insurers price policies to account for the probability and severity of storm damage, which pushes premiums 55% above the national average in Mississippi.
Homeowners in Mississippi should note that standard homeowners policies may not cover flood damage — separate flood insurance through the NFIP or private carriers is typically required for comprehensive protection in hurricane-prone areas.