Home Insurance in Merigold, Mississippi
The median home value in Merigold is $138,300, 6% higher than the Bolivar County median.
The typical home in Merigold was built around 1966. About 31% of homes were built before 1960, about 10 points above Bolivar County's 22%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Merigold is 92% single-family homes and 6% mobile or manufactured homes.
About 56% of owner-occupied homes in Merigold have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 95% of occupied homes in Merigold are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Merigold - 66% - are primarily heated with natural gas.
Bolivar County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Bolivar County had 408 active NFIP flood policies as of September 2026. See the full Bolivar County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Mississippi carries a statewide average premium of $2,029 per year.
Key figures
| Median home value | $138,300 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Bolivar County | 408 |
| 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)