HomeInsuranceQts

Home Insurance in Long Beach, Mississippi

Homes in Long Beach carry a median value of $215,200 - close to the Harrison County median.

Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Long Beach was built around 1986. About 8% of homes were built before 1960, about 2 points below Harrison County's 10%.

In Long Beach, the housing stock is 74% single-family homes and 15% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.

In Long Beach, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Long Beach are owner-occupied.

In Long Beach, 66% of homes 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$215,200
Median year built1986
Owner-occupied share66%
Share of owner-occupied homes with a mortgage58%
Top county hazardHurricane (Very High)
Active NFIP policies in Harrison County13,068
Home insurance premium$2,029 - statewide average (NAIC, 2023 data)
Key home insurance figures for Long Beach, MS

Nearby towns

Sources

Data last updated: 2026-09-29