Flood Zone AE vs. X on the Mississippi Gulf Coast: What That Letter Actually Costs
By Randy Richardson, Broker Associate, The 4th Right Team This post is part of our Mississippi Gulf Coast home insurance guide. Quick Answer: Flood zone AE is a high-risk zone, so a federally backed mortgage will require flood insurance on an AE home. Zone X sits outside that high-risk line, and cov
Long Beach, MS 39560: A 2026 Neighborhood Guide for Buyers
By Randy Richardson, Broker Associate, The 4th Right Team Quick Answer: Long Beach is a small coastal city in Harrison County, Mississippi, on Highway 90 between Gulfport and Pass Christian. The Long Beach School District earned an A with 763 points in the state's 2025-26 accountability grades, rele
Well Water Testing Before Closing: The Deadline Nobody Warns You About
By Randy Richardson, Broker Associate, The 4th Right Team Quick Answer:Â If you're buying a home on a private well north of I-10, your lender is probably going to require a water test before you close, and the timeline is tighter than people expect. FHA, VA, and USDA loans all require it. HUD 4000.1
Randy Richardson
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