Home Insurance in Gautier, Mississippi
The median home value in Gautier is $166,400, 14% lower than the Jackson County median.
The typical home in Gautier was built around 1984. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 7% of homes were built before 1960, about 4 points below Jackson County's 11%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Gautier is 70% single-family homes, 12% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
55% of owner-occupied homes in Gautier carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 67% of occupied homes in Gautier are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Gautier - 90% - are primarily heated with electricity.
What's the biggest home insurance risk near Gautier? FEMA's National Risk Index points to hurricane (Relatively High) in Jackson County and Jackson County had 11,573 active NFIP flood policies as of September 2026. See the full Jackson County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Mississippi is $2,029 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $166,400 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Jackson County | 11,573 |
| 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)