Home Insurance in Moss Point, Mississippi
With a median home value of $110,100, Moss Point is 43% lower than the Jackson County median.
The typical home in Moss Point was built around 1968. About 26% of homes were built before 1960, about 16 points above Jackson County's 11%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Moss Point breaks down to 88% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 33% of owner-occupied homes in Moss Point have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Moss Point are owner-occupied.
78% of homes in Moss Point are primarily heated with electricity.
Jackson County's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. 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 | $110,100 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)