Home Insurance in Ocean Springs, Mississippi
The median home value in Ocean Springs is $259,400, 34% higher than the Jackson County median.
The typical home in Ocean Springs was built around 1979. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 14% of homes were built before 1960, about 3 points above Jackson County's 11%.
In Ocean Springs, the housing stock is 81% single-family homes and 13% apartments in buildings with 5+ units.
In Ocean Springs, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ocean Springs has an owner-occupancy rate of 69% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Ocean Springs - 71% - are primarily heated with electricity.
FEMA rates Jackson County's overall risk as Relatively Moderate, led by hurricane (Relatively High). 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.
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 | $259,400 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)