Home Insurance in Clarksdale, Mississippi
The median home value in Clarksdale is $83,900, 7% lower than the Coahoma County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Clarksdale was built around 1964. About 45% of homes were built before 1960, about 8 points above Coahoma County's 37%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Clarksdale is 72% single-family homes, 10% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 36% of owner-occupied homes in Clarksdale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Clarksdale has an owner-occupancy rate of 46% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
65% of homes in Clarksdale are primarily heated with natural gas.
What's the biggest home insurance risk near Clarksdale? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Coahoma County and Coahoma County had 121 active NFIP flood policies as of September 2026. See the full Coahoma County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
In Mississippi, the statewide average premium for a standard HO-3 homeowners policy is $2,029 per year (NAIC, 2023 data).
Key figures
| Median home value | $83,900 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Coahoma County | 121 |
| 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)