Nestled on the beautiful Mississippi Gulf Coast, Gulfport is a vibrant city marked by its waterfront appeal—and its exposure to intense meteorological hazards. Hurricanes, storm surge, and heavy rainfall constantly threaten Gulfport properties. Many homeowners are surprised to learn that standard home insurance doesn’t include flood damage. At Hawsey Insurance, we specialize in flood insurance Gulfport residents depend on to safeguard their homes and peace of mind.
Gulfport is no stranger to destructive hurricanes—Hurricane Katrina remains one of the most devastating—bringing massive storm surge and prolonged rain. In a FEMA-authority overview, Gulfport receives around 65.19 inches of annual rainfall versus a national average of 38.61 inches. Combined with development trends that affect drainage and runoff, the flood risk remains significant. In fact, Gulfport residents in Special Flood Hazard Areas may be required by lenders to carry flood insurance.
Wet seasons and severe thunderstorms deposit intense volumes of rain over short periods, often overwhelming low-lying areas and stormwater infrastructure. Meanwhile, hurricanes generate storm surge that pushes seawater inland, flooding basements, ground floors, and coastal properties. Whether from the Gulf of Mexico or heavy rain, flood threats should not be underestimated.
Home insurance policies protect against fire, wind, or theft—but almost always exclude flood. That leaves damage from rising water fully on homeowners. Flood insurance bridges this gap, covering essential repairs to buildings and cleaning or replacing possessions. Without it, homeowners must bear high repair costs or rely on uncertain disaster assistance resources.
Flood insurance is typically divided into building coverage—covering foundations, systems, appliances, permanently installed fixtures—and contents coverage—protecting items like furniture, electronics, and clothing. However, most policies exclude mold, temporary housing costs, damage to outdoor structures (decks, pools), and business interruption. Clear understanding of coverage lines is vital.
We bring local climate awareness and deep understanding of Gulfport’s exposures to every policy we craft. Through personalized consultation, we help you evaluate your flood risk, determine if lender mandates apply, and present NFIP and private policy options suited to your needs and budget. Our goal: reliable protection, transparent coverage, and fast service from agents who understand the Gulfport way of life.
Hawsey Insurance agents serve Gulfport with firsthand familiarity of storm-impacted neighborhoods and flood history. We speak your language, guide you through paperwork, and stay by your side through claims and renewals. Our aim is not only to sell policies—but to build community resilience.
Gulfport MS is serviced by Hawsey Insurance out of our Biloxi and Pass Christian offices.
