Menu

Flood insurance cost · MS

Flood insurance cost in Mississippi

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 39,525 home policies in force on August 31, 2026.

MississippiPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,240a year

Half of insured homes paid between $942 and $1,586. That is 15% more than the national median ($1,082). Most insured homes here are rated in zone AE (61%).

$0$942 · $1,240 · $1,586$1,982
+14.5% vs Aug 31, 2025 (median $1,083)
39,525home policies in force
$1,359average cost (mean)
71%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: see FEMA declarations and IRS tax relief in Mississippi, county by county.

Cost by flood zone in Mississippi

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$1,524$1,208–$2,238$1,8901,790 (5%)+11.7%
Zone AE
High risk		$1,369$1,011–$1,736$1,48424,272 (61%)+11.2%
Zone A
High risk		$952$711–$1,297$1,0751,730 (4%)+5.4%
Zone AO
High risk, shallow		$1,131$730–$1,782$1,27738 (0%)+14.0%
Zone AH
High risk, shallow		$859$660–$994$852177 (0%)+7.4%
Zone X
Moderate to low risk		$1,086$838–$1,265$1,06311,518 (29%)+12.8%

Not shown (fewer than 10 home policies): A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Mississippi, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home37,423$1,252$1,370
2–4 unit building1,191$1,237$1,384
Manufactured (mobile) home439$781$954
Condo or apartment unit472$638$735
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		1,277$2,230$2,981
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		4,968$2,225$3,126
45,770NFIP policies in force, any building
47,787insured units (condo association policies count every unit)
78%of home policies also cover contents
$88,000median contents coverage, when bought

One year on: Mississippi

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force42,32639,525−6.6%
Median annual cost$1,083$1,240+14.5%
Average annual cost$1,222$1,359+11.2%
All policies in force (any building)48,86945,770−6.3%

Flood claims history

Since 1978, NFIP policyholders in Mississippi have filed 64,589 flood claims. 53,884 received a payment, for a total of $3.1 billion (an average of $58,283 per paid claim). The year with the most claims was 2005 (19,764 claims). Amounts are in dollars of the time, not adjusted for inflation.

05k10k15k20k1978: 178 claims, 132 paid, $321,787 in total1979: 2,776 claims, 2,460 paid, $25,537,233 in total1980: 2,102 claims, 1,720 paid, $6,532,729 in total19801981: 225 claims, 179 paid, $527,670 in total1982: 951 claims, 727 paid, $3,275,502 in total1983: 5,558 claims, 4,719 paid, $47,424,323 in total19831984: 784 claims, 608 paid, $3,134,881 in total1985: 1,164 claims, 734 paid, $3,992,977 in total1986: 114 claims, 78 paid, $283,328 in total1987: 581 claims, 500 paid, $5,964,183 in total1988: 145 claims, 100 paid, $641,609 in total1989: 287 claims, 224 paid, $1,100,972 in total1990: 1,147 claims, 986 paid, $9,261,911 in total19901991: 1,752 claims, 1,460 paid, $12,102,489 in total1992: 153 claims, 114 paid, $528,050 in total1993: 591 claims, 480 paid, $6,029,142 in total1994: 683 claims, 558 paid, $4,802,716 in total1995: 1,557 claims, 1,297 paid, $16,633,995 in total1996: 273 claims, 210 paid, $1,497,268 in total1997: 938 claims, 807 paid, $11,449,383 in total1998: 4,406 claims, 3,304 paid, $53,265,480 in total19981999: 260 claims, 217 paid, $2,509,866 in total2000: 154 claims, 95 paid, $728,180 in total20002001: 1,011 claims, 795 paid, $11,769,458 in total2002: 2,236 claims, 1,754 paid, $19,984,135 in total2003: 1,066 claims, 856 paid, $19,161,624 in total2004: 307 claims, 211 paid, $3,159,806 in total2005: 19,764 claims, 18,133 paid, $2,548,568,685 in total20052006: 100 claims, 79 paid, $2,098,268 in total2007: 81 claims, 57 paid, $744,352 in total2008: 1,900 claims, 1,535 paid, $31,073,091 in total2009: 801 claims, 669 paid, $14,245,605 in total2010: 197 claims, 122 paid, $5,839,986 in total20102011: 1,358 claims, 970 paid, $54,415,568 in total2012: 2,381 claims, 1,803 paid, $45,477,187 in total2013: 489 claims, 396 paid, $11,019,046 in total2014: 312 claims, 229 paid, $5,692,599 in total2015: 176 claims, 127 paid, $2,515,541 in total2016: 899 claims, 691 paid, $21,585,389 in total2017: 694 claims, 539 paid, $19,367,229 in total2018: 374 claims, 314 paid, $11,440,296 in total2019: 651 claims, 508 paid, $19,744,088 in total2020: 1,410 claims, 1,087 paid, $26,639,767 in total20202021: 794 claims, 674 paid, $22,017,303 in total2022: 188 claims, 142 paid, $5,627,014 in total2023: 78 claims, 48 paid, $1,692,267 in total2024: 106 claims, 76 paid, $2,427,099 in total2025: 76 claims, 59 paid, $2,465,925 in total2026: 361 claims, 301 paid, $14,203,015 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2026361301$14,203,015$47,186
20257659$2,465,925$41,795
202410676$2,427,099$31,936
20237848$1,692,267$35,256
2022188142$5,627,014$39,627
2021794674$22,017,303$32,667
20201,4101,087$26,639,767$24,508
2019651508$19,744,088$38,866
2018374314$11,440,296$36,434
2017694539$19,367,229$35,932
2016899691$21,585,389$31,238
2015176127$2,515,541$19,807
2014312229$5,692,599$24,859
2013489396$11,019,046$27,826
20122,3811,803$45,477,187$25,223
20111,358970$54,415,568$56,099
2010197122$5,839,986$47,869
2009801669$14,245,605$21,294
20081,9001,535$31,073,091$20,243
20078157$744,352$13,059
200610079$2,098,268$26,560
200519,76418,133$2,548,568,685$140,549
2004307211$3,159,806$14,975
20031,066856$19,161,624$22,385
20022,2361,754$19,984,135$11,393
20011,011795$11,769,458$14,804
200015495$728,180$7,665
1999260217$2,509,866$11,566
19984,4063,304$53,265,480$16,122
1997938807$11,449,383$14,188
1996273210$1,497,268$7,130
19951,5571,297$16,633,995$12,825
1994683558$4,802,716$8,607
1993591480$6,029,142$12,561
1992153114$528,050$4,632
19911,7521,460$12,102,489$8,289
19901,147986$9,261,911$9,393
1989287224$1,100,972$4,915
1988145100$641,609$6,416
1987581500$5,964,183$11,928
198611478$283,328$3,632
19851,164734$3,992,977$5,440
1984784608$3,134,881$5,156
19835,5584,719$47,424,323$10,050
1982951727$3,275,502$4,506
1981225179$527,670$2,948
19802,1021,720$6,532,729$3,798
19792,7762,460$25,537,233$10,381
1978178132$321,787$2,438

From 2016 to 2026: 5,631 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in Mississippi

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Adams County32$1,084
Alcorn County54$1,311
Attala County14$920
Calhoun County32$815
Carroll County16$833
Choctaw County12$1,178
Claiborne County19$738
Clarke County71$824
Copiah County39$1,056
Covington County56$844
George County73$1,125
Greene County35$955
Holmes County24$740
Humphreys County77$944
Issaquena County74$697
Itawamba County13$879
Jasper County19$1,047
Lawrence County34$789
Leake County22$837
Lincoln County34$802
Marshall County22$996
Montgomery County10$880
Neshoba County35$975
Newton County12$846
Noxubee County10$1,592
Panola County81$913
Perry County36$934
Pike County74$1,096
Pontotoc County12$1,129
Quitman County97$741
Scott County45$681
Simpson County66$1,088
Smith County10$1,269
Stone County28$1,055
Tallahatchie County58$874
Tate County37$834
Tishomingo County15$881
Tunica County67$1,077
Union County16$882
Walthall County44$1,214
Wayne County26$1,042
Wilkinson County55$1,087
Winston County20$858
Yalobusha County11$884

ZIP codes with the most insured homes