Mattina Insurance Agency, Inc.
1829 Pass Rd, Biloxi, MS 39531
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1829 Pass Rd, Biloxi, MS 39531
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904 Camp Four Jacks Rd, Biloxi, MS 39532
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8579 W Oaklawn Rd, Ste A, Biloxi, MS 39532
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14507 Lemoyne Blvd, Biloxi, MS 39532
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1611 E Pass Rd, Biloxi, MS 39531
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1636 Popps Ferry Rd, Suite 221, Biloxi, MS 39532
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1636 Popp's Ferry Rd, Suite 221, Biloxi, MS 39532
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1684 Pass Rd, Ste B, Biloxi, MS 39531
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1685 Pass Rd., Ste. B, Biloxi, MS 39531
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Learn about insurance coverage options specific to Biloxi residents.
Biloxi homeowners pay $490/month on average. Learn about flood insurance requirements, FORTIFIED discounts, and post-Katrina building codes.
General Insurance EducationComplete insurance guide for Biloxi residents covering auto requirements, homeowners costs, flood coverage, and hurricane protection on the Mississippi Gulf Coast.
Car InsuranceBiloxi drivers pay $174/month average. Learn Mississippi's 25/50/25 minimums, why US-90 risks demand better coverage, and how to protect against uninsured motorists.
Yes, you likely do. Flood risk in Biloxi isn't limited to beachfront properties—storm surge, heavy rainfall, and drainage issues can cause flooding blocks inland. If you have a mortgage and your property is in a Special Flood Hazard Area, your lender will require it. Even if it's not required, flood damage isn't covered by standard homeowners insurance, and one significant storm could cost you tens of thousands in out-of-pocket repairs.
Mississippi homeowners can save between 12% and 55% on the wind portion of their insurance premium by installing FORTIFIED Roof or FORTIFIED Home upgrades. Since wind coverage is one of the largest cost components for Gulf Coast policies, this can translate to hundreds of dollars annually. Plus, these upgrades genuinely protect your home better during hurricanes.
Wind damage from hurricanes—like a tree falling on your roof or shingles being torn off—is typically covered under your standard homeowners policy, though often with a higher deductible for named storms. Flood damage, which includes storm surge and rising water, is never covered by standard policies and requires separate flood insurance through NFIP or a private insurer.
Gulf Coast homeowners saw rate increases of 15% to 70% in 2024 due to multiple factors: higher reinsurance costs (what insurers pay to protect themselves), inflation, rising construction and labor costs, and an active 2024 hurricane season with 18 named Atlantic storms. Mississippi Insurance Commissioner Mike Chaney approved an average 16% increase after insurers requested even higher rates.
Base flood elevation (BFE) is the level floodwaters are expected to reach during a 100-year flood event. In Biloxi, BFE is generally 17 to 18 feet depending on location. If your home is built or renovated after Katrina, it must be elevated to at least this height to meet building codes. The higher your home sits above BFE, the lower your flood insurance premium.
Replacement cost coverage is almost always better because it pays to rebuild or replace damaged property at current prices without depreciation. Actual cash value subtracts depreciation, meaning you'd get less money even though construction and material costs have increased significantly since Katrina. Yes, replacement cost coverage costs more, but it's worth it in a high-cost construction market like Biloxi.
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