Home Insurance in Golden, Mississippi
With a median home value of $112,500, Golden is 22% lower than the Tishomingo County median.
The typical home in Golden was built around 1986. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 19% of homes were built before 1960, about 3 points above Tishomingo County's 16%.
In Golden, the housing stock is 68% single-family homes, 20% apartments in buildings with 5+ units and 11% 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 Golden carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 52% of occupied homes in Golden are owner-occupied. The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Golden - 55% - are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Tishomingo County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Tishomingo County had 21 active NFIP flood policies as of September 2026. See the full Tishomingo 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 | $112,500 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 22% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Tishomingo County | 21 |
| 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)