Home Insurance in Rosedale, Mississippi
With a median home value of $103,600, Rosedale is 20% lower than the Bolivar County median.
The typical home in Rosedale was built around 1981. About 16% of homes were built before 1960, about 5 points below Bolivar County's 22%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Rosedale, the housing stock is 57% single-family homes, 31% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
15% of owner-occupied homes in Rosedale carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 45% of occupied homes in Rosedale are owner-occupied.
In Rosedale, 60% of homes are primarily heated with electricity.
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.
In Mississippi, the statewide average premium for a standard HO-3 homeowners policy is $2,029 per year (NAIC, 2023 data).
Key figures
| Median home value | $103,600 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 15% |
| 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)