Home Insurance in Crowder, Mississippi
The median home value in Crowder is $49,600, 29% lower than the Quitman County median.
The typical home in Crowder was built around 1978. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 17% of homes were built before 1960, about 17 points below Quitman County's 34%.
In Crowder, the housing stock is 49% single-family homes, 13% apartments in buildings with 5+ units and 32% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
22% of owner-occupied homes in Crowder carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Crowder has an owner-occupancy rate of 70% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Crowder - 56% - 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 Crowder? FEMA's National Risk Index points to earthquake (Relatively Low) in Quitman County and Quitman County had 110 active NFIP flood policies as of September 2026. See the full Quitman 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 | $49,600 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 22% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Quitman County | 110 |
| 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)