Home Insurance in North Carrollton, Mississippi
The median home value in North Carrollton is $117,500, 7% higher than the Carroll County median.
The typical home in North Carrollton was built around 1964. About 33% of homes were built before 1960, about 21 points above Carroll County's 13%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In North Carrollton, the housing stock is 54% single-family homes, 14% apartments in buildings with 5+ units and 11% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 60% of owner-occupied homes in North Carrollton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in North Carrollton are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In North Carrollton, 67% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near North Carrollton? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Carroll County and Carroll County had 19 active NFIP flood policies as of September 2026. See the full Carroll County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Mississippi is $2,029 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $117,500 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)