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Claim or joinLegal name: Serene at St. Martin Owners Association, Inc.
HOA · Biloxi, 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 · 63rd percentile of MS neighborhood areas
37 federal disaster declarations for this county, including 24 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 · BILOXI, CITY OF
CRS class 6: 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 39532
2020 +3.6% · 2021 +11.2% · 2022 +17.2% · 2023 +1.9% · 2024 +6.1% · 2025 -0.5%
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.
20% of nearby housing sits in 5+ unit buildings, most of it built in the 1970s.
Neighborhood-area figures, not the association itself. Useful as neighborhood context.
Public record · Federal community survey estimates
Common Elements directory
Peer context, not financial advice: area-level survey medians describe the market, not what any specific community should charge.
Most recent significant event in Harrison County: Flash flood, Jul 1, 2025.
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 Harrison County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 39532 · 2022
Average premium changed -7.1% 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
A C E Thatch & Bamboo INC
McComb, MS
A&B Electric Co INC of Ms
Meridian, MS
Ab&H Construction LLC
Canton, MS
Advance Electric Co. of Mississippi INC.
Olive Branch, MS
Aladdin Construction Company, INC.
Biloxi, MS
Alarm Services Group Limited Liability Company
Southaven, MS
Verified vendor companies serving Harrison County, MS. Listing only, not an endorsement.
Common Elements verified vendor directory
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On file as Serene at St. Martin Owners Association, Inc.
Principal address · Legal name · 1 linked public record
Filed as shown; displayed as Serene at St. Martin Owners Association, INC.
Source not recorded
Map location · Type
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