Yes, travel insurance is worth having for a trip through Blue Mountain, a small town in rural northeast Mississippi and home to Blue Mountain College, and the honest reason has almost nothing to do with danger. The United States has excellent hospital care, but that care is not free, and a rural strip like this one sits well outside any major hospital, which is where cost and distance both start to matter for a visitor.
Blue Mountain itself has no real hospital infrastructure of its own, and routine or serious care alike generally means a drive to Tupelo, the nearest sizeable hospital city in this part of Mississippi. Confirm your policy covers hospital costs directly rather than one that only reimburses you afterward, since American providers routinely expect payment or proof of coverage before treating a visitor without US-compatible insurance, and a policy that settles bills directly spares you an unplanned bill on the spot.
This is farm country and small-town America rather than a tourist circuit, and the practical risk here is the same as anywhere rural: long drives between towns, limited emergency response times, and the odd severe thunderstorm or tornado watch common to the Deep South in spring. Cell coverage can also thin out on some back roads nearby, worth noting if you are counting on a phone to call for help. Trip-delay cover is worth having as well, in case a storm disrupts flights connecting through a larger regional airport nearby.
Keep any clinic or hospital invoices and receipts for treatment or medication, since US providers issue detailed billing on request and that documentation is what a claim depends on. Check whether your existing health cover extends to the United States specifically before assuming it applies, since many home policies and national schemes stop well short of American hospital costs, and a standalone travel policy remains the more reliable option for a rural Mississippi itinerary like this one.