Home Insurance in Walthall, Mississippi
Homes in Walthall carry a median value of $116,700 - close to the Webster County median.
The typical home in Walthall was built around 1977. About 14% of homes were built before 1960, in line with Webster County (15%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Walthall is 74% single-family homes and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 30% of owner-occupied homes in Walthall have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Walthall has an owner-occupancy rate of 75% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Walthall, 40% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Walthall? FEMA's National Risk Index points to earthquake (Relatively Low) in Webster County and Webster County had 4 active NFIP flood policies as of September 2026. See the full Webster County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
In Mississippi, the statewide average premium for a standard HO-3 homeowners policy is $2,029 per year (NAIC, 2023 data).
Key figures
| Median home value | $116,700 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Webster County | 4 |
| 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)