Ocean Springs has 18,646 residents in 8,202 households. We list 11 insurance agencies in Ocean Springs. Here is what the local numbers say about the cover people here need.

Ocean Springs at a glance

11insurance 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 Mississippi How much liability cover do you need?

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

What Ocean Springs agencies can write

Share of the 11 agencies listed in Ocean Springs that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Where Ocean Springs agencies are

Ocean Springs agencies we list sit in 2 ZIP codes, mostly in Jackson County.

3956410 agencies
395661 agency

Questions

Insurance agencies in Ocean Springs

How do I find an insurance agency in Ocean Springs?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What insurance can I get from agencies in Ocean Springs?

Most often health, accident & health, life. Pick a type in the filters to narrow the list.

Do I need flood insurance in Ocean Springs?

FEMA's National Risk Index rates coastal flooding risk in Jackson County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Ocean Springs?

31.3% of households in Ocean Springs rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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