Home Insurance in Pass Christian, Mississippi
With a median home value of $270,900, Pass Christian is 28% higher than the Harrison County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Pass Christian was built around 2003. About 5% of homes were built before 1960, about 6 points below Harrison County's 10%.
In Pass Christian, the housing stock is 86% single-family homes and 7% apartments in buildings with 5+ units.
About 56% of owner-occupied homes in Pass Christian have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Pass Christian are owner-occupied.
In Pass Christian, 83% of homes are primarily heated with electricity.
Harrison County's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. 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 | $270,900 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 71% |
| 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)