Accident & Health Insurance Agencies in Ocean Springs, MS

Ocean Springs at a glance

• 3accident & health insurance agencies listed
• 31.3%of households rentRenters insurance
• $259,400median home valueHome insurance
• 1979median year homes were builtRebuild cost calculator
• 4.5%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Jackson County

FEMA rates the overall natural hazard risk in Jackson County, where most Ocean Springs agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

• HurricaneRelatively High

  Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.

  Home insurance in Mississippi
• LightningRelatively High

  Fire and lightning are standard covered causes of loss on home policies.

  Home insurance in Mississippi
• Coastal floodingRelatively High

  Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.

  Flood insurance

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Mississippi

Mississippi requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in MississippiHow much liability cover do you need?

Source: mid.ms.gov, limits in force since 2006-01-01. Checked 2026-10-24.