Home Insurance in Vaiden, Mississippi
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Vaiden was built around 1971. About 20% of homes were built before 1960, about 7 points above Carroll County's 13%.
In Vaiden, the housing stock is 62% single-family homes, 15% 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 15% of owner-occupied homes in Vaiden have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 52% of occupied homes in Vaiden are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Vaiden - 62% - 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.
FEMA rates Carroll County's overall risk as Very Low, led by strong wind (Relatively Moderate). 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.
In Mississippi, the statewide average premium for a standard HO-3 homeowners policy is $2,029 per year (NAIC, 2023 data).
Key figures
| Median year built | 1971 |
|---|---|
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 15% |
| 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)