Hurricane Katrina made landfall near the Mississippi Gulf Coast as a Category 3 storm and caused the most destructive storm surge in US history. Know your deductible exposure before season opens.
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Pre-loaded with Mississippi rules
Harrison County: 2–5% deductible. Biloxi and Gulfport are the most exposed MS Gulf Coast cities. Katrina's surge reached 28 feet here.
Standard for most MS coastal counties
Your Out-of-Pocket Exposure
$4,000
2% of $200,000 insured value
Manageable out-of-pocket. Ensure your emergency fund covers this amount.
The MWUA provides windstorm coverage for coastal Mississippi homeowners who cannot obtain coverage in the private market. Katrina (2005) caused catastrophic damage along the entire MS Gulf Coast.
Katrina's 28-foot storm surge devastated the Mississippi Gulf Coast. Your hurricane deductible covers wind only — flood requires a separate NFIP or private flood policy.
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Mississippi's Gulf Coast faces extreme hurricane risk. Katrina's 28-foot surge remains the benchmark for worst-case scenarios.
Hurricane deductibles apply when the NWS issues a hurricane watch or warning for your area. Tropical storms use your standard deductible.
Katrina (2005) caused a 28-foot storm surge that destroyed everything along the MS Gulf Coast. The insurance market was fundamentally changed afterward.
Katrina's damage was primarily surge/flood, not wind. Your hurricane deductible covers wind only — flood requires a separate NFIP or private flood policy.
If private carriers won't cover your coastal MS home, the Mississippi Windstorm Underwriting Association (MWUA) is the insurer of last resort.
| Region | Areas | Typical Deductible | Notes |
|---|---|---|---|
| Gulf Coast | Harrison, Hancock, Jackson | 2–5% | Extreme surge/wind risk |
| Pine Belt | Forrest, Lamar, Marion | 1–2% | Wind risk; Katrina damage |
| Central MS | Hinds, Rankin, Madison | 1% | Minimal hurricane risk |
| North MS | DeSoto, Marshall, Tate | 1% | Lowest hurricane risk |
The 2026 Atlantic hurricane season opens June 1. Compare insurance quotes now — before a named storm forms and carriers stop writing new policies.
Affiliate disclosure: We may earn a commission at no cost to you. This calculator is for informational purposes only — not insurance advice.