Home Insurance in New Houlka, Mississippi
With a median home value of $85,100, New Houlka is 22% lower than the Chickasaw County median.
The typical home in New Houlka was built around 1975. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 29% of homes were built before 1960, about 12 points above Chickasaw County's 17%.
The housing stock in New Houlka is 78% single-family homes, 1% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
52% of owner-occupied homes in New Houlka carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
New Houlka has an owner-occupancy rate of 60% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in New Houlka - 71% - 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.
What's the biggest home insurance risk near New Houlka? FEMA's National Risk Index points to strong wind (Relatively High) in Chickasaw County and Chickasaw County had 11 active NFIP flood policies as of September 2026. See the full Chickasaw 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 | $85,100 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Chickasaw County | 11 |
| 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)