Home Insurance in Woodland, Mississippi
The typical home in Woodland was built around 1992. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 3% of homes were built before 1960, about 15 points below Chickasaw County's 17%.
The housing stock in Woodland is 19% single-family homes and 81% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
Almost no owner-occupied homes in Woodland carry a mortgage.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 44% of occupied homes in Woodland 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 Woodland, 48% of homes are primarily heated with propane.
FEMA rates Chickasaw County's overall risk as Relatively Low, led by strong wind (Relatively High). 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 year built | 1992 |
|---|---|
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)