Home Insurance in Slate Springs, Mississippi
The median home value in Slate Springs is $92,500, close to the Calhoun County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Slate Springs was built around 1975. About 22% of homes were built before 1960, about 8 points above Calhoun County's 14%.
In Slate Springs, the housing stock is 83% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
38% of owner-occupied homes in Slate Springs carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Slate Springs has an owner-occupancy rate of 81% and a vacancy rate of 37%; unoccupied homes typically need a different coverage form.
Most homes in Slate Springs - 65% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Calhoun County's overall risk as Very Low, led by earthquake (Relatively Low). Calhoun County had 49 active NFIP flood policies as of September 2026. 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.
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 | $92,500 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)