Home Insurance in Crosby, Mississippi
Homes in Crosby carry a median value of $55,600 - 38% lower than the Wilkinson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Crosby was built around 1979. About 31% of homes were built before 1960, about 12 points above Wilkinson County's 19%.
The housing stock in Crosby is 49% single-family homes, 1% apartments in buildings with 5+ units and 24% 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.
In Crosby, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 52% of occupied homes in Crosby are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 63% of homes in Crosby are primarily heated with electricity.
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.
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 | $55,600 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 27% |
| 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)