Flood Zones, Insurance & Hurricanes: Buying on the Mississippi Gulf Coast

The Coastal Buyer’s Reality

The Mississippi Gulf Coast offers beautiful waterfront living—but buyers must consider flood zones and insurance costs before making a purchase.

Understanding Flood Zones

• Use FEMA maps to identify risk levels.
  
  
• Homes in “AE” or “VE” zones often require flood insurance.
  
  
• Inland homes (North Gulfport, outskirts of Ocean Springs) may have lower premiums.
  
  

Hurricane Insurance Basics

• Standard homeowner policies often exclude wind and flood damage.
  
  
• Separate policies may be needed for full protection.
  
  
• Deductibles are higher for named storms.
  
  

Buyer Tip: Elevation Matters

Homes built above flood elevation lines can save thousands in premiums. Always request an elevation certificate.

Conclusion

Buying on the Gulf Coast is rewarding—but only if you understand the risks.

CTA: Contact Odyssea Group for a free flood zone check on any property you’re considering.

Disclaimer: Insurance costs vary by property—consult a licensed insurance provider.