Temporary Housing on Your Lot in Pascagoula and Ocean Springs After Hurricane Isaias

This page is for homeowners in Pascagoula, Ocean Springs, Gautier, Moss Point, and unincorporated Jackson County whose home is not livable after Hurricane Isaias. Mississippi has no statewide rule on living in a travel trailer on your own lot while you rebuild, so each city and the county set their own. Pascagoula, Moss Point, and Jackson County each have a written path for temporary housing after a disaster, though not all of them name an RV. Ocean Springs bars sleeping in a stored RV, and we found no rule either way in Gautier's ordinance. 1st Choice Living has placed furnished travel trailers on homeowners' own property, nationwide, since 2004, and we bill the carrier directly under ALE where the claim covers it.

Hurricane Isaias and the Pascagoula and Ocean Springs area

Storm facts as of October 9, 2026, 5 p.m. CDT, from official sources:

• The storm. In its 4 p.m. CDT advisory on October 9, 2026, the National Hurricane Center said Isaias was a Category 3 hurricane with maximum sustained winds near 115 mph, and that it was forecast to make landfall along the coast of the western Florida Panhandle that evening and then move across Alabama. Source
• Warnings. That advisory had a hurricane warning in effect from Ocean Springs, Mississippi, to the Bay and Gulf County line in Florida, and said storm surge could reach 6 to 9 feet above ground from the Alabama and Florida border to Grayton Beach, Florida. Source
• Mississippi. The Mississippi Emergency Management Agency said on October 9, 2026, that parts of Jackson County were under a hurricane warning and that shelters and safe rooms were open in George, Hancock, Harrison, Jackson, and Pearl River counties. We did not find a statewide emergency order on an official Mississippi page as of this update. Source

MEMA said on October 9 that parts of Jackson County were under a hurricane warning, and listed Jackson County among the counties with shelters and safe rooms open. The National Hurricane Center warning above began at Ocean Springs and ran east.

Return to your property only when local officials say it is safe. Stay out of flood water and keep clear of downed lines. For roads, shelters, and re-entry, follow the Jackson County Office of Emergency Services. For the current forecast, go to the National Hurricane Center.

Local rules on living in an RV on your lot

Check which office handles your address. Moss Point issues its own RV disaster permit, but its building permits come from the Jackson County Building Department. In unincorporated Jackson County, the Planning Director issues emergency permits and the county Building Department issues building permits. A separate section of the county ordinance caps temporary structures at 180 days and requires a hurricane removal plan, so ask Zoning how that fits with an emergency permit.

Several of these rules speak of a temporary residence, a mobile home, or a temporary structure without naming an RV or travel trailer. Ask the office for your address whether a travel trailer qualifies before anything is placed.

Septic: we did not find a Mississippi State Department of Health or county rule for hooking a single RV to a home's septic system during a rebuild. Ask the permit office what the sewer connection needs.

Rules here were read on official city and county pages on October 9, 2026 and can change after a storm. The side-by-side table for every Isaias area is on Hurricane Isaias RV rules by county.

How the trailer is billed: Additional Living Expenses

Additional Living Expenses, or ALE, sometimes called loss of use, pays for somewhere to live while the house is not livable. Ask your carrier whether your policy includes it and what the limit is. The Mississippi Insurance Department explains that additional living expenses coverage will pay for you to move somewhere temporarily when you cannot live in your home because of damage your policy covers, and it advises you to ask your insurance company early whether you have that coverage.

• Local rules for your address checked before delivery.
• A furnished travel trailer that sleeps 2 to 10, with a kitchen, a bathroom, real beds, and heat and air, delivered, leveled, and set up on your property.
• Utilities connected by licensed, insured contractors from our preferred vendor network, planned around what is actually working at the property.
• Site conditions documented at setup and again at takedown.
• Direct billing to your carrier under ALE where the claim covers it, tracked against your ALE limit. On a covered claim that is $0 out of pocket for your family.
• One named contact from the first call to the day the unit leaves.

Flood is different. National Flood Insurance Program policies do not provide additional living expense coverage. If your home also had damage your homeowners policy covers, such as wind, ask your adjuster how ALE applies. This is general information, not legal or coverage advice. Your policy and your adjuster decide what is covered.

Already working with a temporary housing company?

We work with any temporary housing company. If one is handling your housing, ask them to place you with 1st Choice Living for a trailer on your own lot in Pascagoula and Ocean Springs. They send us the placement, we deliver, set up, and service the trailer, and the billing runs through them or straight to your carrier, whichever way their program works.

What we need to start

• The property address in Pascagoula and Ocean Springs and whether it is inside city limits.
• How many people are in the household.
• Your claim number and your adjuster’s name and contact.
• Your ALE limit, if your adjuster has told you.

From there we check the local rules for that address, confirm the lot can take a unit, and plan setup around what is safe and working at the property. If a trailer on your lot is not the right fit, we will tell you. Adjusters and housing companies can send a placement through for adjusters and carriers.

More Hurricane Isaias pages

• Temporary housing after Hurricane Isaias: storm facts, safety, and ALE for Alabama, Mississippi, and Florida.
• Hurricane Isaias RV rules by county: every area in one table.
• Our Mississippi temporary housing page.
• Nearby: Gulfport and Biloxi (Harrison County), MS
• Nearby: Mobile and Mobile County, AL
• Travel trailers for crews and families after Hurricane Isaias from Temporary RV Living.
• Drone documentation after Hurricane Isaias from LossMap, to record roof and property damage before cleanup.

Frequently asked questions