Southaven has 56,226 residents in 21,251 households. We list 9 insurance agencies in Southaven. Here is what the local numbers say about the cover people here need.

Southaven at a glance

9insurance agencies listed
27.5%of households rentRenters insurance
$236,300median home valueHome insurance
1998median year homes were builtRebuild cost calculator
3.5%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in DeSoto County

FEMA rates the overall natural hazard risk in DeSoto County, where most Southaven agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Mississippi
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Mississippi

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Mississippi

Mississippi requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Mississippi How much liability cover do you need?

Source: mid.ms.gov, limits in force since 2006-01-01. Checked 2026-10-24.

What Southaven agencies can write

Share of the 9 agencies listed in Southaven that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Where Southaven agencies are

Southaven agencies we list sit in 2 ZIP codes, mostly in DeSoto County.

386715 agencies
386724 agencies

Questions

Insurance agencies in Southaven

How do I find an insurance agency in Southaven?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

Do I need flood insurance in Southaven?

FEMA's National Risk Index rates inland flooding risk in DeSoto County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Southaven?

27.5% of households in Southaven rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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