Home Insurance in Starkville, Mississippi
With a median home value of $299,900, Starkville is 26% higher than the Oktibbeha County median.
The typical home in Starkville was built around 1990. About 11% of homes were built before 1960, about 2 points above Oktibbeha County's 9%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Starkville is 47% single-family homes, 30% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 54% of owner-occupied homes in Starkville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 34% of occupied homes in Starkville are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Starkville, 65% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Starkville? FEMA's National Risk Index points to earthquake (Relatively Low) in Oktibbeha County and Oktibbeha County had 346 active NFIP flood policies as of September 2026. See the full Oktibbeha 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 | $299,900 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 34% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Oktibbeha County | 346 |
| 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)