Home Insurance in Centreville, Mississippi
Homes in Centreville carry a median value of $67,400 - 25% lower than the Wilkinson County median.
The typical home in Centreville was built around 1977. About 19% of homes were built before 1960, in line with Wilkinson County (19%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Centreville is 70% single-family homes, 2% apartments in buildings with 5+ units and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Centreville, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Centreville has an owner-occupancy rate of 58% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Centreville - 65% - 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.
FEMA rates Wilkinson County's overall risk as Very Low, led by hurricane (Relatively Low). Wilkinson County had 59 active NFIP flood policies as of September 2026. See the full Wilkinson County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $67,400 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Wilkinson County | 59 |
| 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)