Home Insurance in Calhoun City, Mississippi
Homes in Calhoun City carry a median value of $94,700 - close to the Calhoun County median.
The typical home in Calhoun City was built around 1971. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 28% of homes were built before 1960, about 14 points above Calhoun County's 14%.
The housing stock in Calhoun City is 83% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 44% of owner-occupied homes in Calhoun City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Calhoun City has an owner-occupancy rate of 67% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Calhoun City, 48% of homes are primarily heated with natural gas.
Calhoun County had 49 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full Calhoun 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 | $94,700 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Calhoun County | 49 |
| 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)