Home Insurance in Calhoun County, Mississippi
Homes in Calhoun County carry a median value of $90,300 - 47% lower than the Mississippi median.
The typical home in Calhoun County was built around 1980. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 14% of homes were built before 1960, in line with Mississippi (14%).
The housing stock in Calhoun County is 76% single-family homes, 3% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 38% of owner-occupied homes in Calhoun County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Calhoun County has an owner-occupancy rate of 72% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Calhoun County - 51% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Calhoun County, per FEMA's National Risk Index, are earthquake (Relatively Low), hurricane (Relatively Low) and tornado (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Calhoun County has 49 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $90,300 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Hurricane (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 49 |
| Home insurance premium | $2,029 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)