Home Insurance in Walthall County, Mississippi
With a median home value of $126,600, Walthall County is 25% lower than the Mississippi median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Walthall County was built around 1982. About 14% of homes were built before 1960, in line with Mississippi (14%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Walthall County is 68% single-family homes and 28% mobile or manufactured homes.
About 38% of owner-occupied homes in Walthall County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Walthall County are owner-occupied.
Most homes in Walthall County - 68% - 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.
The top hazards for Walthall County, per FEMA's National Risk Index, are strong wind (Relatively Moderate), hurricane (Relatively Low) and wildfire (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Walthall County has 54 active NFIP flood policies on file.
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 | $126,600 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Hurricane (Relatively Low), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 54 |
| Home insurance premium | $2,029 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)