Living and owning property in Biloxi means embracing the beauty and vibrant coastal lifestyle of the Mississippi Gulf Coast—but it also means facing heightened risk from hurricanes, storm surge, and torrential rainfall. Standard homeowners insurance often excludes flood damage, leaving many homeowners vulnerable to catastrophic financial loss. At Hawsey Insurance, we specialize in flood insurance Biloxi residents trust to protect their homes against these powerful coastal threats.
Hurricanes are a recurring threat on the Gulf Coast, often bringing heavy rain and storm surge that combine to overwhelm low-lying areas. Even outside designated floodplains, flash flooding, emerging drainage issues, or rising water tables can cause serious damage. According to TrustedChoice, Biloxi receives significantly more annual rainfall than the national average—64.89 inches versus 38.61 inches—making flooding a frequent and serious concern.
Storm surge often accompanies powerful hurricanes making landfall along the Mississippi coast, pushing water onto properties near the shoreline. Additionally, hurricane-driven downpours can rapidly fill streets, yards, and ground-level structures, causing severe damage within hours. Biloxi’s flat terrain and proximity to water bodies like Biloxi Bay and Back Bay further amplify this risk. That’s why flood insurance Biloxi homeowners rely on is more than optional—it’s essential.
Standard homeowners policies may cover wind damage but typically exclude flood. Flood insurance protects the structure, foundation, electrical/plumbing systems, appliances, carpeting, and built-in fixtures. It also separately covers personal belongings like furniture, clothing, and electronics. However, like NFIP policies, it may not cover mold damage, temporary living expenses, or outdoor structures—so policy details matter.
At Hawsey Insurance, we understand that each Biloxi home is unique. Our agents evaluate your location, elevation, proximity to flood risk zones, and building features to design flood insurance that fills critical coverage gaps. Whether your property is in a designated Special Flood Hazard Area or outside it, we’ll help you understand local risks and mortgage requirements and match you with the right options from the NFIP or private carriers.
Choosing Hawsey Insurance means working with an agency deeply rooted in coastal communities like Biloxi. With offices right in town, we know the neighborhoods, past storm patterns, and agent-client relationships that matter. We balance your coverage needs with your budget and explain policy nuances—so you’re informed, not overwhelmed.
