Harrison County, MS -- Between Gulfport and Pass Christian on the Mississippi Sound, and Genuine Katrina Ground-Zero Territory

Long Beach, MSThe Friendly City, a 500-Year-Old Oak, and an Entirely Man-Made Beach

Long Beach is an independently incorporated city of roughly 17,000 people in Harrison County, Mississippi, sitting directly on the Mississippi Sound between Gulfport to the east and Pass Christian to the west, inside the Gulfport-Biloxi metro area. It was one of the hardest-hit places in the entire country during Hurricane Katrina on August 29, 2005 -- storm surge estimated between roughly 25.7 and 28 feet came ashore here, 715 single-family homes were demolished, and the city's own harbor and much of its beachfront were flattened, right alongside neighboring Pass Christian, Bay St. Louis, and Waveland. Long Beach rebuilt, and its population has now recovered back toward its pre-Katrina peak. What makes it distinct today: it's home to the University of Southern Mississippi's Gulf Park campus and the Friendship Oak, a live oak documented at more than 500 years old and the oldest living tree in Mississippi -- and, like the rest of the Harrison County coastline, its beach itself is not a natural feature but a 26-mile engineered sand beach built by the Army Corps of Engineers in the early 1950s and maintained by the Harrison County Sand Beach Authority. That combination -- real storm history, a real university and harbor economy, and a genuinely engineered shoreline -- is what a buyer here should understand going in, not discover after closing.

Location & Incorporation
Independently incorporated city (1905) in Harrison County, MS, on the Mississippi Sound between Gulfport and Pass Christian; part of the Gulfport-Biloxi metro
Population
~17,000-17,400 (2020 Census: 16,780; multiple 2024-2026 estimates cluster 17,000-17,428) across 10.4 sq. mi. -- recovering back toward the pre-Katrina 2000 count of ~17,320
Hurricane Katrina, Aug. 29, 2005
Storm surge estimated at roughly 25.7-28 ft depending on source; 715 single-family homes demolished, 6 lives lost in Long Beach, ~$365M in documented property damage countywide reporting
Home Prices
Zillow: $237,256 average home value, +0.6% YoY (as of 6/30/2026). Redfin: $295,000 median sale price, +10.9% YoY, as of March 2026 -- the two figures diverge because they measure different things; see the real-cost page.
At a glance — the numbers agents don't quote
Flood Insurance Runs Through the NFIP, Separately From Homeowners
Long Beach participates in the National Flood Insurance Program; a standard Mississippi homeowners policy does not cover flood damage on its own.
Mississippi's statewide average NFIP premium has been reported around $538/year, but that figure is a state average, not a Long Beach-specific quote -- this research could not pull Long Beach's own current flood-zone maps this session because the city's official site was blocked by network egress. Get an address-specific FEMA flood-zone determination before budgeting a number. See the real-cost page.
Windstorm Coverage Runs Through Mississippi’s State Wind Pool
Harrison County is one of six coastal counties served by the Mississippi Windstorm Underwriting Association (MWUA), the state’s insurer of last resort for wind and hail.
The MWUA, created by the legislature in 1987, is raising rates 16% effective January 1, 2026 -- a real, current cost pressure, not a hypothetical one. A revived state grant program, Strengthen Mississippi Homes, began offering up to $15,000 per home for FORTIFIED-roof wind-mitigation retrofits statewide starting July 1, 2026. See the real-cost page for what this means in dollars.
The Beach Itself Is Engineered, Not Natural
Long Beach’s shoreline is part of Harrison County’s 26-mile man-made sand beach, built by the Army Corps of Engineers in 1951-52 and maintained today by the Harrison County Sand Beach Authority.
That's a structural fact worth understanding, not a defect: the beach exists because of an engineered seawall (1926-28) and an artificial sand fill added after a destructive 1947 hurricane, and it depends on ongoing public maintenance rather than natural dune/erosion dynamics the way a barrier island does. Long Beach's own small-craft harbor was separately destroyed by Hurricane Zeta's 8.2-ft storm surge in October 2020 and rebuilt with $2.18 million in GOMESA federal funds plus continued reconstruction into 2025.
A Real, Documented Katrina Track Record -- Not a Hypothetical
Hurricane Katrina made landfall as a Category 3 storm on August 29, 2005, bringing storm surge estimated at roughly 25.7-28 ft to the Long Beach area and flattening much of the city.
715 single-family homes were demolished, 60 businesses in the commercial district were destroyed or closed, 12 municipal buildings were destroyed or heavily damaged, and 6 lives were lost in Long Beach specifically; neighboring Pass Christian, Bay St. Louis, and Waveland were comparably devastated. See the investment-outlook page for how that history factors into risk.

What Long Beach Actually Is

Long Beach, Mississippi was incorporated in 1905 and today is its own city -- with its own mayor and board of aldermen, not a Gulfport neighborhood -- sitting on Harrison County's stretch of the Mississippi Sound between Gulfport to the east and Pass Christian to the west. It's a genuinely small, walkable place: about 10.4 square miles and roughly 17,000-17,400 residents by recent estimates, nicknamed "The Friendly City" locally, with a median household income around $70,300 (2024) and a median age of about 39.6, somewhat younger than many of its Gulf Coast neighbors. The city sits inside the Gulfport-Biloxi metro area, giving residents access to a larger regional job market, two casino-anchored economies in Biloxi and Gulfport, and the Gulfport-Biloxi International Airport, while still functioning as its own distinct municipality with its own school district, police and fire departments, and property tax rate.

The single most distinctive institutional anchor in Long Beach is the University of Southern Mississippi's Gulf Park campus, built on the former site of Gulf Park College, a historic women's junior college. USM took the campus over in 1972, it became part of a formal dual-campus system in 1998, and in 2002 the Mississippi Supreme Court granted permission for the campus to offer freshman- and sophomore-level classes for the first time, expanding it into a full four-year option on the coast. The campus's best-known landmark is the Friendship Oak -- a live oak documented at more than 500 years old, dating to roughly 1487, making it the oldest living tree in the state of Mississippi. Local legend holds that anyone who enters its shade with a friend remains friends for life; more concretely, the tree has survived Katrina and every other hurricane to hit the coast in five centuries, and it sits a short walk from the beach on Highway 90.

Katrina is unavoidable in any honest accounting of Long Beach, and this page treats it as real, sourced history rather than a footnote. On August 29, 2005, the storm made landfall as a Category 3 hurricane, and storm surge estimated at roughly 25.7 to 28 feet (sources vary by exact measurement point) came ashore along the Long Beach shoreline -- comparable in severity to the surge that hit Pass Christian and Bay St. Louis a few miles west, not meaningfully less. The result: 715 single-family homes demolished, entire neighborhoods south of the CSX railroad tracks leveled, 60 businesses in the commercial district destroyed or closed, 12 municipal buildings destroyed or heavily damaged, 6 lives lost, and more than $364.9 million in documented property damage. The USM Gulf Park campus itself flooded all the way to the railroad tracks. Long Beach's population dropped from 17,320 at the 2000 census to 14,792 by 2010 as a direct result, before climbing back to 16,780 by 2020 and an estimated 17,000-17,400 today -- a genuine, multi-decade recovery story, not a market that quietly moved on without scars.

Two more recent, concrete facts round out the picture. First, Long Beach's own small-craft harbor -- a marina formed by a mole and jetty just west of the USM pier -- was separately destroyed by Hurricane Zeta's 8.2-foot storm surge in October 2020, and has been under reconstruction since, funded in part by a $2.18 million GOMESA federal grant announced in 2021 for a new protective bulkhead. Second, like every other beach along this stretch of Harrison County, Long Beach's own beach is not a natural feature: it's part of the 26-mile Harrison County Sand Beach, engineered and filled with imported sand by the Army Corps of Engineers in 1951-52 after a destructive 1947 hurricane, following an earlier 1926-28 seawall project, and it's actively maintained today by the Harrison County Sand Beach Authority rather than left to natural dune dynamics. Neither fact is a reason to avoid Long Beach -- but both are real, current, and relevant to how a buyer should think about coastal risk and public infrastructure dependency here.

Dining, Downtown, and the Harbor

Long Beach's downtown is small and walkable, running along Jeff Davis Avenue with locally owned shops like Sister Swank Boutique and Coast Roast Coffee & Tea. For food, Long Beach Market & Deli is a longtime local spot for stacked sandwiches and po'boys, and Harbor View Café serves breakfast, lunch, and dinner with a Coastal-Southern menu; the broader dining scene along Highway 90 adds Southern, barbecue, Mexican, and Vietnamese-influenced Gulf Coast options typical of this stretch of Harrison County. The rebuilt Long Beach Harbor is the other everyday anchor -- local charter operators including Impulsive Charters and Still Water Fishing Charters run fishing trips directly out of the harbor, putting genuine, working Gulf fishing access a short walk or drive from most of the city rather than something residents have to travel to Biloxi or Gulfport for.

Beyond downtown and the harbor, the University of Southern Mississippi's Gulf Park campus functions as a genuine community landmark, not just a commuter school -- the Friendship Oak alone draws steady local and visitor foot traffic, and the campus sits directly on Highway 90 a short walk from the beach itself. For a broader restaurant scene, casino resorts, or bigger-city amenities, Long Beach residents drive a few minutes east into Gulfport or Biloxi; this page's real-cost and investment-outlook pages, along with the neighboring-market comparisons in the sidebar, cover those larger markets directly.

Property Tax
Harrison County's own blended average effective rate runs about 0.62% (SmartAsset), but Long Beach specifically is reported to carry the highest effective rate and highest median tax bill of any city in the county -- see the real-cost page for worked examples and the homestead exemption mechanics.
Home Prices
Zillow: $237,256 average value, +0.6% YoY (6/30/2026). Redfin: $295,000 median sale price, +10.9% YoY, and $154/sq ft, +8.5% YoY (March 2026). The two figures measure different things -- see the real-cost page.
State Income & Sales Tax
Mississippi taxes ordinary income at a flat rate (4.4% above a $10,000 exemption as of 2025, legislated to step down further through 2030) but fully exempts Social Security, pensions, and IRA/401(k) distributions. State sales tax is 7%, cut to 5% on groceries effective July 2025.
Insurance & Storm Risk
Harrison County sits in the Mississippi Windstorm Underwriting Association's 6-county wind-pool territory (rates rising 16% Jan. 1, 2026); flood coverage is a separate NFIP purchase. Katrina's 2005 storm surge here is documented, not hypothetical -- see the Tide Bar above and the investment-outlook page.

Independent research. No ads. No sponsored listings. This is a pilot "thin market" build (hub + 2 topic pages), not the site's full 22-page research format. Facts drawn from: Wikipedia's Long Beach, Mississippi entry and Harrison County, Mississippi entry for incorporation date, geography, and metro-area context; biggestuscities.com and worldpopulationreview.com for the 2000/2010/2020 census population figures (17,320 / 14,792 / 16,780) and 2026 estimate; point2homes.com and mississippi-demographics.com for the ~$70,332 median household income and 39.6 median age (2024); the University of Southern Mississippi's own site (usm.edu) and Mississippi Encyclopedia for USM Gulf Park's 1972 founding on the former Gulf Park College site, its 1998 dual-campus designation, and the 2002 Mississippi Supreme Court ruling permitting freshman/sophomore classes; onlyinyourstate.com, Wikipedia's Friendship Oak entry, and the Mississippi Gulf Coast National Heritage Area (msgulfcoastheritage.ms.gov) for the Friendship Oak's documented 500+ year age (dating to ~1487) and status as the oldest living tree in Mississippi; the National Weather Service (weather.gov/mob/katrina), Wikipedia's Effects of Hurricane Katrina in Mississippi entry, and Mississippi Encyclopedia's Hurricane Katrina entry for the August 29, 2005 landfall, the 25.7-28 ft storm-surge range, and the 715 demolished homes / 6 deaths / $364.9M damage figures specific to Long Beach; usharbors.com, marinalife.com, and thegazebogazette.com's 2025 coverage for Long Beach Harbor's history, the October 2020 Hurricane Zeta damage (8.2-ft surge), and the 2021 $2.18 million GOMESA-funded bulkhead reconstruction; the Biloxi Bay Area Chamber of Commerce and Harrison County Sand Beach coverage (including a 2025 WLOX report) for the 26-mile man-made beach's 1926-28 seawall and 1951-52 Army Corps sand-fill history and its ongoing maintenance by the Harrison County Sand Beach Authority; coastalmississippi.com's own Long Beach community, dining, and things-to-do pages for downtown businesses, restaurants, and fishing charter operators; SmartAsset's Mississippi property tax calculator for Harrison County's ~0.62% blended average effective rate; Ownwell's Harrison County and Long Beach property-tax trend pages (via search-result synthesis -- ownwell.com itself was blocked by this session's network egress and could not be directly refetched) for the claim that Long Beach carries the county's highest effective rate and median tax bill; Zillow's and Redfin's own Long Beach, MS market pages (via search-result synthesis; both domains were blocked by direct refetch this session) for the home-price figures cited; the Mississippi Windstorm Underwriting Association's own site (msplans.com/mwua) and southernhomeimprovement.com's 2026 coverage for the wind-pool's six-county territory, 1987 creation, and confirmed 16% rate increase effective January 1, 2026; and the Mississippi Insurance Department's own site (mid.ms.gov) plus Insurance Journal's April 2026 coverage for the revived Strengthen Mississippi Homes grant program (up to $15,000 per home, statewide, launched July 1, 2026). Genuine, disclosed gaps: this research could not directly refetch ownwell.com, the Harrison County Tax Assessor's own millage-rate page, or the City of Long Beach's own site (cityoflongbeachms.info) this session because all three domains were blocked by this session's network egress policy, so the exact current-year city + Long Beach School District millage breakdown was not independently verified line-by-line, and no Long Beach-specific FEMA flood-zone data or short-term-rental ordinance was confirmed either way -- see the real-cost and investment-outlook pages for how those gaps are handled. Confirm all current facts directly with the City of Long Beach, Harrison County, the Mississippi Department of Revenue, and a licensed Mississippi real estate, insurance, and tax professional before making a purchase or relocation decision. Nothing on this page is legal, tax, financial, or insurance advice.

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