Home Insurance in Biloxi, Mississippi
With a median home value of $225,100, Biloxi is 6% higher than the Harrison County median.
The typical home in Biloxi was built around 1990. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 14% of homes were built before 1960, about 4 points above Harrison County's 10%.
In Biloxi, the housing stock is 58% single-family homes, 31% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
56% of owner-occupied homes in Biloxi carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 50% of occupied homes in Biloxi are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Biloxi - 76% - are primarily heated with electricity.
What's the biggest home insurance risk near Biloxi? FEMA's National Risk Index points to hurricane (Very High) in Harrison County and Harrison County had 13,068 active NFIP flood policies as of September 2026. See the full Harrison 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 | $225,100 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Harrison County | 13,068 |
| 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)