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Claim or joinLegal name: SAVANNAH ESTATES JOINT HOMEOWNERS ASSOCIATION, INC.
HOA · Bay St. Louis, MS
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A starting point for diligence, not a safety or compliance rating. Full flood, structural, and hazard detail is below.
Public record · Federal hazard-risk index, federal flood-hazard maps
Public record · Federal flood-hazard maps
Relatively Moderate composite risk for this neighborhood area · 42nd percentile of MS neighborhood areas
33 federal disaster declarations for this county, including 21 hurricanes, most recent Aug 2026.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Participates in the federal flood insurance program · BAY ST. LOUIS, CITY OF
CRS class 7: community flood-mitigation rating, 1 is the strongest discount
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Annual change in ZIP 39520
2020 +1.1% · 2021 +12.3% · 2022 +11.8% · 2023 +16.7% · 2024 +1.1% · 2025 +8.1%
Area price appreciation for context, not an appraisal of this association or any unit. Its publisher labels the index developmental: it is built from conforming-mortgage data, and small housing markets are suppressed.
Public record · Federal house-price index · as of Mar 2026
Monthly HOA and condo fees reported by owners in this part of the state, from federal household survey estimates.
Peer context, not financial advice: area-level survey medians describe the market, not what any specific community should charge.
5% of nearby housing sits in 5+ unit buildings, most of it built in the 1960s.
Neighborhood-area figures, not the association itself. Useful as neighborhood context.
Public record · Federal community survey estimates
Common Elements directory
Most recent significant event in Hancock County: Storm surge/tide, Sep 11, 2024.
Post-storm federal aerial imagery exists for this location: Hurricane Ida, 2021. Pre-season baseline imagery also covers this location.
County-level weather records from the federal storm-event database, for context. Each event is logged for a whole county or forecast zone, not for individual properties, so counts and damage estimates describe Hancock County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 39520 · 2022
Average premium changed -3.4% across the filed window (2018 to 2022).
ZIP-area averages from federal filings, not a quote for this building. Your rate depends on the building's construction, claims history, and coverage.
Public record · Federal homeowners-insurance filings · as of 2018 to 2022
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Verified vendor companies serving Hancock County, MS. Listing only, not an endorsement.
Common Elements verified vendor directory
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On file as SAVANNAH ESTATES JOINT HOMEOWNERS ASSOCIATION, INC.
Principal address · Legal name · 1 linked public record
Filed as shown; displayed as Savannah Estates Joint Homeowners Association, INC.
Source not recorded
Type
Geocoded from the address on file
Map location
Geocoded 2026-05-20
Names are shown in title case for readability. The string above is the name on file, unchanged.
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