Home Insurance in Arcola, Mississippi
Homes in Arcola carry a median value of $87,000 - 16% lower than the Washington County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Arcola was built around 1974. About 25% of homes were built before 1960, about 2 points above Washington County's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Arcola is 75% single-family homes, 7% apartments in buildings with 5+ units and 15% mobile or manufactured homes.
About 16% of owner-occupied homes in Arcola have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Arcola are owner-occupied.
In Arcola, 67% of homes are primarily heated with natural gas.
FEMA rates Washington County's overall risk as Relatively Moderate, led by tornado (Relatively High). Washington County had 1,361 active NFIP flood policies as of September 2026. See the full Washington 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 | $87,000 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 16% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Washington County | 1,361 |
| 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)