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Compare 38953 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Scobey just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 288 neighbors looking to save on their home insurance policy in the local 38953 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 38953. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Mississippi rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Scobey, MS home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Scobey, MS

38953 Home Insurance Average Premiums

Local 38953 homeowners insurance quotes comparison

$985 /yr.

Shows Zip Code: 38953 lowest rates with discounts applied on average.

For the 38953, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)		$985 /yr.
Average Coverage:$1235 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1535 /yr.

What is the average home insurance cost for a home in 38953?

  • • The average homeowners insurance premium paid annually for a home in 38953 is around $1235 per year.

What does it cost on average per month for home insurance in 38953?

  • • Homeowners in 38953 pay a monthly average cost per month around $103.00.

What kind of discount could I get if I combine my home and auto insurance together in 38953?

  • • Autoowners in 38953 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Scobey area, check out other zip codes nearby 38953.
Review average rates in another zip code:
38953 homeowners insurance rates

Home Replacement Cost Coverage in 38953

Average Building Cost Per Square Foot in 38953: $96

Location: Scobey, Mississippi (Yalobusha County)

Average Square Footage in 38953: 915 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 38953 before you start any project. Scobey homeowners pay on average around $96 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 38953 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 38953 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 915 sq. ft. and the average cost to rebuild the home in this area is around $96 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Scobey area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$96915$87,800
Additional Upgrades & Added Features$120915$109,750
Major Home Updates or Advancements$144915$131,700

It's important to understand that when you estimate your replacement cost of your home in the 38953 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 38953

Best Home & Auto Insurance Agencies in 38953

Housing Demographics for 38953

Population Review for 38953 Zip Code

For the city of Scobey, the population within 38953 has increased to over 697 residents in population size. The current population total is 629. We have broken down the population based on race below. In 38953, there are over 314 in male population and 315 females.

PopulationValues
Total Population629
White Population467
Black Population136
Hispanic Population1
Asian Population0
Hawaiian Population0
Indian Population0
Other Population0
Male Population314
Female Population315
Population Estimate697

Household Data for 38953

The average number of homes in 38953 is around 288, there are an average of 2.18 per household. The average house value according to local real estate values is around $87,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode288
Persons Per Household2.18
Average House Value$87,800
Income Per Household$0
Median Age49.5
Median Age Male47.5
Median Age Female50.0
38953 DetailsValues
StateMS
State Full NameMississippi
City TypeP
City Alias Abbreviation
Area Code662
CityScobey
City Alias NameSCOBEY
CountyYalobusha
County FIPS161
State FIPS28
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA37060
CBSA_DIV
CBSA_TypeMicro
CBSA_NameOxford, MS
MSA_Name
PMSA_Name
RegionSouth
DivisionEast South Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses4
Number Of Employees11
Business First Quarter Payroll162
Business Annual Payroll581
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population47351
CBSA Division Population0
Congressional District02
Congressional LandArea15551.51
Delivery Residential320
Delivery Business5
Delivery Total334
Preferred Last Line KeyY14372
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyY14372
Land Area35.809000
Water Area0.094000
City Alias Code
City Mixed CaseScobey
City Alias Mixed CaseScobey
Box Count8
SFDU319
MFDU0
State ANSI28
County ANSI161
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number277254
Unique ZIP Name
SSA State County Code25800
Medicare CBSA Code99925
Medicare CBSA NameRural Areas in MS
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseYalobusha

Mississippi Homeowners Insurance News & Information

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]