Home Insurance in Carrollton, Mississippi
The median home in Carrollton was built in 1939 or earlier. About 81% of homes were built before 1960, about 69 points above Carroll County's 13%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Carrollton is 94% single-family homes.
In Carrollton, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Carrollton has an owner-occupancy rate of 50% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Carrollton - 88% - are primarily heated with natural gas.
Carroll County had 19 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full Carroll County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Carroll County | 19 |
| 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)