Home Insurance in Gulfport, Mississippi
Homes in Gulfport carry a median value of $174,600 - 18% lower than the Harrison County median.
The typical home in Gulfport was built around 1986. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 14% of homes were built before 1960, about 4 points above Harrison County's 10%.
The housing stock in Gulfport is 68% single-family homes, 19% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 60% of owner-occupied homes in Gulfport have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Gulfport has an owner-occupancy rate of 55% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
72% of homes in Gulfport are primarily heated with electricity.
FEMA rates Harrison County's overall risk as Relatively High, led by hurricane (Very High). 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.
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 | $174,600 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)