Menu

Flood insurance cost · Coahoma County, MS

Flood insurance cost in Coahoma County, Mississippi

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 106 home policies in force on August 31, 2026.

Coahoma County, MississippiPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,047a year

Half of insured homes paid between $742 and $1,362. That is 16% less than the Mississippi median ($1,240). Most insured homes here are rated in zone AE (64%).

$0$742 · $1,047 · $1,362$1,702
+8.8% vs Aug 31, 2025 (median $962)
106home policies in force
$1,123average cost (mean)
65%of insured homes in high-risk zones (A, V)
$182,000median 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: 2 FEMA declarations · individual aid. FEMA declarations and IRS tax relief in Coahoma County.

Cost by flood zone in Coahoma County

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 AE
High risk		$1,068$733–$1,528$1,18968 (64%)+0.6%
Zone X
Moderate to low risk		$985$800–$1,165$99637 (35%)+5.8%

Not shown (fewer than 10 home policies): VE, A, AO, AH, 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 Coahoma County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home101$1,077$1,143
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		15$1,070$2,065

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit, whole residential building (5+ units or condo association).

121NFIP policies in force, any building
121insured units (condo association policies count every unit)
76%of home policies also cover contents
$60,000median contents coverage, when bought

One year on: Coahoma County

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 force120106−11.7%
Median annual cost$962$1,047+8.8%
Average annual cost$1,065$1,123+5.4%
All policies in force (any building)133121−9.0%

How many homes have flood insurance?

1.2%of all homes in Coahoma County have an NFIP policy
34.5%of homes in high-risk zones (special flood hazard area) have one
8,555residential buildings counted by FEMA
200of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Coahoma County, Mississippi have filed 329 flood claims. 288 received a payment, for a total of $6,756,115 (an average of $23,459 per paid claim). The year with the most claims was 2016 (50 claims). Amounts are in dollars of the time, not adjusted for inflation.

0204060801979: 22 claims, 21 paid, $108,290 in total19801982: 11 claims, 11 paid, $40,235 in total1983: 19 claims, 17 paid, $106,399 in total1984: 10 claims1989: 10 claims19901991: 39 claims, 36 paid, $257,739 in total19911992: 19 claims, 14 paid, $75,239 in total1997: 12 claims, 11 paid, $144,582 in total20002001: 11 claims, 11 paid, $124,872 in total2002: 10 claims20102011: 45 claims, 38 paid, $1,653,291 in total20112016: 50 claims, 48 paid, $3,326,614 in total20162020
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 (12)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20165048$3,326,614$69,304
20114538$1,653,291$43,508
200210<10––
20011111$124,872$11,352
19971211$144,582$13,144
19921914$75,239$5,374
19913936$257,739$7,159
198910<10––
198410<10––
19831917$106,399$6,259
19821111$40,235$3,658
19792221$108,290$5,157

From 2016 to 2026: 50 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.

Main NFIP communities in the county

Clarksdale (54 home policies) · Unincorporated Coahoma County (47 home policies)