Home Insurance in McCool, Mississippi
The typical home in McCool was built around 1960. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 50% of homes were built before 1960, about 30 points above Attala County's 20%.
The housing stock in McCool is 71% single-family homes and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
26% of owner-occupied homes in McCool carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 93% of occupied homes in McCool are owner-occupied. The vacancy rate is 34%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in McCool - 67% - are primarily heated with natural gas.
Attala County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Attala County had 25 active NFIP flood policies as of September 2026. See the full Attala County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Mississippi, the statewide average premium for a standard HO-3 homeowners policy is $2,029 per year (NAIC, 2023 data).
Key figures
| Median year built | 1960 |
|---|---|
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Attala County | 25 |
| Home insurance premium | $2,029 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)