Home Insurance in Pascagoula, Mississippi
The median home value in Pascagoula is $144,700, 25% lower than the Jackson County median.
The typical home in Pascagoula was built around 1973. About 20% of homes were built before 1960, about 9 points above Jackson County's 11%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Pascagoula breaks down to 61% single-family homes, 26% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 48% of owner-occupied homes in Pascagoula have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 54% of occupied homes in Pascagoula are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Pascagoula - 84% - 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Mississippi carries a statewide average premium of $2,029 per year.
Key figures
| Median home value | $144,700 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)