Does Biloxi have its own hazard scores?

No. Biloxi inherits Mississippi’s statewide ratings. Use this page to see which peril matters most locally (Hurricanes), then verify the exact address — two streets in Harrison County can differ.

What should I check first in Biloxi?

Start with Hurricanes in Mississippi, then a ZIP lookup and the FEMA or USGS map that matches that hazard.

Natural Hazard Risk in Biloxi, MS | HomeRiskMap

What this page is

Biloxi sits in Harrison County, Mississippi. This is a local briefing: it names the hazard that usually matters most here (Hurricanes), then shows the statewide ratings Mississippi homeowners use to decide what official map to open. It is not a flood-zone letter or an insurance quote.

Confirm the neighborhood with a ZIP lookup.
Open Hurricanes in Mississippi.
Verify the address on the official maps in the sidebar, then read a matching guide.

Biloxi occupies a narrow peninsula between the Gulf of Mexico and the Back Bay, and that geography made it one of the hardest-hit cities in America when Hurricane Katrina's surge poured across the peninsula in 2005 — water rose over the beachfront highway, gutted homes and businesses, and pushed deep into neighborhoods that had never imagined flooding. The lesson is permanent: on this coast, storm surge is the hazard that defines homeownership, and hurricane season from June through November is the calendar every homeowner lives by.

The peninsula's shape leaves almost nowhere to hide from the water. Surge can attack from the Gulf side, the Back Bay side, or both at once, and Biloxi's low elevation means even a moderate hurricane can flood streets well inland of the beach. Wind compounds the damage — major storms peel roofs and blow out windows across the city — while the Back Bay's tributaries and the region's flat drainage keep low areas wet long after the storm moves on.

For homeowners, the non-negotiables start with flood insurance and a clear-eyed view of elevation: know exactly how high your home sits, and assume surge can reach higher than the last storm. Hurricane shutters or impact-rated windows, a roof in strong repair, and trimmed trees are the wind-side essentials. Keep an evacuation plan current every summer, because when a major hurricane targets the Mississippi coast, the window to leave the peninsula closes early — and the water arrives faster than most people expect.

How to read the Biloxi snapshot

Biloxi is in Harrison County, Mississippi. This page does not score individual streets. It tells you which statewide hazards matter most here, then points you to the official map for the address you care about.

The local focus is Hurricanes in Mississippi. Wind and flood are often different policies. A hurricane can trigger both. Check whether you have a percentage hurricane deductible.

Highest statewide ratings that apply in Biloxi

Tornadoes — Extreme. Mississippi is one of the most tornado-prone states in the country, rated 5 out of 5 for this hazard. The state sits in…
Flooding — Major. Flooding is one of Mississippi's most frequent natural hazards, driven by Gulf hurricanes and storm surge, the…
Hurricanes — Major. Mississippi faces a high (level 4 of 5) hurricane risk because of its location on the north-central Gulf of Mexico. The…

What to do before you buy or renew in Biloxi

Look up the ZIP on our ZIP tool so you land on this city or the Mississippi profile.
Open the Hurricanes page and follow the official map links in the sidebar.
Confirm preparedness guidance with Mississippi Emergency Management Agency.

Other Mississippi city briefings: Gulfport, Jackson.

Hazard ratings for Mississippi

These are state-level scores used across Biloxi. Use them as a starting point, then verify your exact address with the official maps linked on each hazard page.

Tornadoes Mississippi is one of the most tornado-prone states in the country, rated 5 out of 5 for this hazard. The state sits in "Dixie Alley,"… Extreme Flooding Flooding is one of Mississippi's most frequent natural hazards, driven by Gulf hurricanes and storm surge, the Mississippi River, and the… Major Hurricanes Mississippi faces a high (level 4 of 5) hurricane risk because of its location on the north-central Gulf of Mexico. The three coastal… Major Extreme Heat Extreme heat is a serious and recurring hazard in Mississippi, where Gulf humidity pushes the heat index far above actual air temperatures… Major Severe Storms Severe thunderstorms are a frequent and statewide hazard in Mississippi, which sits in a warm, humid Gulf Coast environment that produces… Major Drought Mississippi faces a moderate drought risk, rated level 3 out of 5. Drought can lead to water shortages, foundation damage from shrinking… Moderate Wildfires Mississippi has a relatively low wildfire risk (level 2 of 5), but wildfires still occur each year, especially in spring and fall. Homes… Minor Earthquakes Mississippi has a relatively low earthquake risk, rated level 2 out of 5 by HomeRiskMap. The greatest risk is in the northwest near the New… Minor Winter Storms Winter storms are a relatively low overall risk in Mississippi, but the state's mild winters can still deliver damaging ice. Freezing rain,… Minimal Landslides Mississippi has a relatively low overall landslide risk compared to many other states, but landslides and debris flows can still occur,… Minimal

What the ratings mean

"MinimalMinorModerateMajorExtreme

Each rating is a statewide starting point, framed for a typical 30-year stay — the length of a standard mortgage. A neighborhood can look different from the state average. Always verify your address with official FEMA, NOAA or USGS maps.

Save this profile as a PDF for your records or insurance file.

Using the Biloxi profile

Does Biloxi have its own hazard scores?: No. Biloxi inherits Mississippi’s statewide ratings. Use this page to see which peril matters most locally (Hurricanes), then verify the exact address — two streets in Harrison County can differ.
What should I check first in Biloxi?: Start with Hurricanes in Mississippi, then a ZIP lookup and the FEMA or USGS map that matches that hazard.
Will homeowners insurance cover Hurricanes here?: Wind and flood are often different policies. A hurricane can trigger both. Check whether you have a percentage hurricane deductible.

Last updated: October 14, 2026. Ratings are state-wide estimates — always verify your specific address with official sources.

Guides for Mississippi homeowners

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InsuranceExcess Flood Insurance: Coverage Above NFIP's $250,000 LimitThe NFIP caps flood coverage at $250,000 for the building and $100,000 for contents. If your home would cost more to rebuild,…Oct 15, 2026Read guide →