Home Insurance in Cary, Mississippi
The typical home in Cary was built around 1981. About 9% of homes were built before 1960, about 8 points below Sharkey County's 17%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Cary, the housing stock is 71% single-family homes and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 25% of owner-occupied homes in Cary have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cary has an owner-occupancy rate of 70% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
76% of homes in Cary are primarily heated with natural gas.
What's the biggest home insurance risk near Cary? FEMA's National Risk Index points to hurricane (Relatively Low) in Sharkey County and Sharkey County had 163 active NFIP flood policies as of September 2026. See the full Sharkey County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Mississippi, the statewide average premium for a standard HO-3 homeowners policy is $2,029 per year (NAIC, 2023 data).
Key figures
| Median year built | 1981 |
|---|---|
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Sharkey County | 163 |
| 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)