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Mississippi Insurance Commissioner discusses homeowners insurance, mitigation program

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Mississippi Insurance Commissioner discusses homeowners insurance, mitigation program


BILOXI, Miss. (WLOX) — Mississippi Insurance Commissioner Mike Chaney discussed homeowners’ insurance rates, roof-strengthening grants, health insurance options, and his plans for the 2027 election.

Insurance rates

Chaney said homeowners on the Gulf Coast will likely see stable insurance rates in 2027 with minimal increases.

The windpool, the insurer of last resort for wind and hail, will offer a policy allowing homeowners to choose their coverage amount, providing more flexibility for consumers.

“The reason they’re doing that is that rates have gone up around the United States. It’s not just Mississippi, and they’re exorbitant and out of sight,” Chaney said. “So we’re looking at ways to help the consumer out.

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Homeowners can contact their insurance agent to discuss coverage options.

Roof mitigation program

The roof mitigation program has generated significant interest.

The program will provide homeowners up to $10,000 to reinforce their roofs, with homeowners responsible for contributing financially if the total cost exceeds $10,000.

“Mitigation is real simple. If you qualify and you have a home that’s in fairly decent repair and you’ve got a bad roof on it, we can go in and put a roof that meets IBHS standards,” Chaney said.

The insurance commissioner said roofing contractors will not be paid unless the house meets code and passes inspection standards.

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The program will mitigate between 200 and 300 houses between July 1 and January 1, then expand to full capacity.

“Then we’ll go full steam. We’ll put $15 million a year into the program. So somewhere between 1,000 to 1,500 houses a year,” Chaney said.

Chaney said it will take a couple of years for Mississippi to reach the necessary mitigation standards.

Homeowners will be able to register online, and participants will be selected through a lottery system.

Health insurance program

About 400,000 people in Missisisppi do not have health insurance, according to Chaney.

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He is promoting a private exchange program that will provide short-term health insurance coverage beginning January 1.

Policies will be valid for six months and cost less than $500 per month, according to Chaney.

The insurance commissioner said individuals with conditions requiring expensive treatments may not qualify and can seek coverage through the Affordable Care Act.

“That just simply says, if you’ve got cancer and you need a million-dollar drug, we’re probably not going to write you. And there’s a reason for that. You can go to the ACA and get that coverage,” Chaney said.

He added that insurance companies will fund the program through premiums, with no tax dollars involved.

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2027 election

Chaney will likely be on the ballot for the state election next year.

“My name will probably be on the ballot. My deputy commissioner has agreed to run if something happens,” Chaney said.

The insurance commissioner’s office regulates the state’s insurance industry, protects consumers, and investigates fraud.

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Copyright 2026 WLOX. All rights reserved.

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Could Texas Be Facing Another Trap Game vs. Mississippi State in 2026?

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Could Texas Be Facing Another Trap Game vs. Mississippi State in 2026?


The Mississippi State Bulldogs were the definition of a trap game in 2026. Despite going 5-8, they upset No. 12 Arizona State and pushed ranked Texas and Tennessee squads to overtime finishes.

The team made real strides in head coach Jeff Lebby’s second season, especially considering they were coming off of a 2-10 campaign. Whether or not they will be able to continue that momentum will hinge greatly on Lebby’s ability to build a team around exciting sophomore quarterback Kamario Taylor.

So, will the Bulldogs pose any kind of threat to Texas in 2026? Or can the Longhorns look ahead to a date with Lane Kiffin’s LSU Tigers later that month?

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The Bulldogs May Frighten the Longhorns This Halloween

Mississippi State Bulldogs quarterback Kamario Taylor during the first quarter against the Wake Forest Demon Deacons | Jim Dedmon-Imagn Images
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Mississippi State has every reason to take a step up in 2026. On top of letting Taylor take the reigns, Lebby is also brining back defensive coordinator Zach Arnett, who led three top-five SEC defenses from 2020-2022.

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While the rest of the roster is fairly weak, it is not bereft of talent. Fluff Bothwell and Xavier Gayten form a solid backfield tandem whom will likely be even more productive next to a dynamic rusher like Taylor.

Lebby will no doubt grind teams down in the run game this season, the Bulldogs handed the ball off the third-most frequently of any SEC team in 2025 and Taylor is taking over for pocket-passer Blake Shapen. That means that they should be able to control the clock and limit possessions, factors which increase the likelihood of an upset victory.

That is particularly problematic for a Texas team that finished 110th in the FBS in time of possession last season and 75th the year before that. While that should improve as new defensive coordinator Will Muschamp is bringing a more aggressive style of defense, it will still be an issue for a pass-heavy Longhorns team.

This game also falls right in the middle of Texas’ SEC schedule, meaning they will have to properly recover after battling Tennessee, Oklahoma, Florida and Ole Miss and ignore the temptation of looking ahead to games against Missouri, LSU, Arkansas and Texas A&M.

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With all of that in mind, it is clear that the Longhorns will need to be wary of the Bulldogs this season, even with home-field advantage on their side.

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A new law could create a list of immigrants illegally living in Mississippi. Advocates are alarmed

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A new law could create a list of immigrants illegally living in Mississippi. Advocates are alarmed


A new Mississippi law will authorize the state’s top law enforcement agency to compile a list of all immigrants illegally living in the state.

What’s to be done with that information is a bit open-ended. But the law set to take effect Wednesday is sparking alarm among immigrant advocates, who fear it could become a new tactic to target immigrants in conjunction with President Donald Trump’s plan to deport millions of people lacking legal approval to live in the U.S.

The law says the state Department of Public Safety “may use all reasonable lawful investigative means available” to determine the number and identities of all “illegal aliens” in Mississippi. That includes collecting their names, addresses, country of origin and whether they are an adult or minor. It also includes noting any criminal history and the date, location and status of deportation proceedings.

The department is directed to share information on those suspected of violating laws with state and local authorities. The measure neither requires nor prohibits the database from being shared with U.S. Immigration and Customs Enforcement.

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Republican state Sen. Angela Hill, who sponsored the measure, said states have a right and obligation to assist the U.S. government in discouraging illegal immigration, which she said facilitates crimes such as human and drug trafficking.

The new law “seems like commonsense to me,” Hill said. “In order to address the problems caused by illegal immigration, we need to understand the magnitude of the problem. Identifying the number and identity of illegal aliens in Mississippi is a concrete way to better understand the problem.”

Immigration laws are proliferating in states

Nationwide, states already have enacted more than 100 immigration-related laws this year, according to an Associated Press tally.

In Republican-led states, those measures generally have aligned with Trump’s agenda by requiring local sheriffs to sign cooperative agreements with ICE, reinforcing eligibility restrictions for public benefits and directing election clerks to check voter rolls against the federal Systematic Alien Verification for Entitlements system in an attempt to flag noncitizens.

Democratic-led states generally have pushed back against Trump with new laws banning cooperative pacts with ICE, forbidding ICE tactics like wearing masks and restricting immigration enforcement actions in schools, hospitals and other sensitive locations without judicial warrants.

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The closest thing to Mississippi’s new law appears to be a 2021 executive order by Republican Florida Gov. Ron DeSantis. That measure directed the Florida Department of Law Enforcement to “use all lawful investigative means available” to determine the number and identities of all “illegal aliens” who had been transported from the nation’s southwest border to Florida.

The Florida agency did not respond to an AP request for information about the results of the executive order.

Trump’s administration, meanwhile, has stepped up enforcement of a decades-old federal law that requires noncitizens to register with the U.S. government.

Some question how the Mississippi law will work

The Mississippi law envisions more than a one-time count. It prescribes an ongoing effort to keep track of immigrants illegally in the state for the next two years. That could get complicated as people overstay visas, apply for new forms of legal status and move into and out the state.

“You can be undocumented today, and then have status tomorrow, and then lose it again next month, and then regain it three months from now,” said Efrén Olivares, vice president of litigation and legal strategy at the National Immigration Law Center, a nonprofit that advocates for low-income immigrants.

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“It’s practically unworkable, but it’s also very worrisome, because it’s eerily reminiscent of other countries that have created lists of certain groups of people,” Olivares said.

State officials will need to come up with “a credible and fairly foolproof way of correctly determining someone’s immigration status,” said Jessica Vaughan, director of policy studies at the Center for Immigration Studies, a nonprofit think tank that supports restrictions on immigration.

But Vaughan said the law “makes a lot of sense,” adding that it “raises the likelihood that someone’s illegal presence is going to come to the attention of federal authorities.”

Advocates say the law could break trust with police

Mississippi has one of the country’s smallest percentages of immigrants illegally residing in the state — fewer than 28,000 people, amounting to less than 1% of its population — according to a report by the American Immigration Council, which used 2023 Census Bureau data.

The new law “is very concerning for a bunch of different reasons,” including the potential to redirect law enforcement resources away from protecting the public to investigating people from foreign countries who may be contributing to the economy, said Victoria Francis, deputy director of state and local initiatives for the American Immigration Council, a nonprofit that advocates on behalf of immigrants.

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“A mandate like this invites profiling and turning entire communities into targets,” Francis said.

The law could undermine trust between police and residents, said Lydia Grizzell, policy and advocacy manager for the American Civil Liberties Union of Mississippi.

“That increases the likelihood of individuals not reaching out to law enforcement when it’s needed – and that is opposite of the mission,” she said.





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McRae: Mississippi Firsts

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McRae: Mississippi Firsts


The Neshoba County Fair is a Mississippi policymaker’s rite of passage. Every year, leaders from across our state gather to talk about what we’ve accomplished and what still lies ahead. This year was no different. Of course, what’s said at the Neshoba County Fair rarely stays at the Neshoba County Fair, so I thought it appropriate to share my message here with you today.

If I had to sum up this year’s speech in just two words, it would be this: Mississippi Firsts. For example, we became the first state in the nation to launch proactive Money Match programs focused on disaster areas. When families are dealing with the aftermath of devastating storms, the last thing they should have to worry about is tracking down missing money. Instead, we take the initiative, find the rightful owners, and return millions of dollars to Mississippians when they need it most.

We were also the first in the nation to require citizenship verification before returning unclaimed money, ensuring Mississippians come first. That innovation has become a national model, earning recognition in congressional hearings and a seat at the table with the Department of Justice and Vice President Vance’s Anti-Fraud Task Force.

Those innovations have produced real results. Alongside first-in-state-history modernizations, they helped us return nearly $200 million in unclaimed money to our citizens – the first Treasury in Mississippi history to reach such a milestone.

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We also broke new ground by becoming the first Mississippi Treasurer to expand the Mississippi Affordable College Savings (MACS) program so families can use their savings for apprenticeships, workforce certifications, and career and technical education. By putting students’ needs first, our program has grown into one of the nation’s Top 6 college savings plans.



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