Home Insurance in Fulton, Mississippi
With a median home value of $158,600, Fulton is 11% higher than the Itawamba County median.
The typical home in Fulton was built around 1976. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 18% of homes were built before 1960, about 5 points above Itawamba County's 13%.
In Fulton, the housing stock is 82% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Fulton, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Fulton has an owner-occupancy rate of 66% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Fulton, 57% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Fulton? FEMA's National Risk Index points to earthquake (Relatively Low) in Itawamba County and Itawamba County had 17 active NFIP flood policies as of September 2026. See the full Itawamba County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Mississippi carries a statewide average premium of $2,029 per year.
Key figures
| Median home value | $158,600 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Itawamba County | 17 |
| 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)