Home Insurance in Rolling Fork, Mississippi
With a median home value of $105,100, Rolling Fork is 7% higher than the Sharkey County median.
The typical home in Rolling Fork was built around 1977. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 16% of homes were built before 1960, about 2 points below Sharkey County's 17%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Rolling Fork is 75% single-family homes, 5% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
28% of owner-occupied homes in Rolling Fork carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 62% of occupied homes in Rolling Fork are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 49% of homes in Rolling Fork are primarily heated with electricity.
FEMA rates Sharkey County's overall risk as Very Low, led by hurricane (Relatively Low). 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.
The statewide average premium for a standard HO-3 homeowners policy in Mississippi is $2,029 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $105,100 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 28% |
| 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)