Flood insurance cost · DeSoto County, MS

Flood insurance cost in DeSoto County, Mississippi

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 426 home policies in force on August 31, 2026.

DeSoto County, MississippiPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$884a year

Half of insured homes paid between $637 and $1,094. That is 29% less than the Mississippi median ($1,240). Most insured homes here are rated in zone AE (57%).

$0$637 · $884 · $1,094$1,368

+5.4% vs Aug 31, 2025 (median $839)

426home policies in force

$930average cost (mean)

58%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: 2 FEMA declarations · individual aid. FEMA declarations and IRS tax relief in DeSoto County.

Cost by flood zone in DeSoto 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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$978	$770–$1,196	$1,044	244 (57%)	+5.8%
Zone X Moderate to low risk	$686	$528–$983	$779	180 (42%)	−0.6%

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 DeSoto County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	418	$886	$932
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.	34	$4,128	$4,528
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	70	$1,989	$2,161

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit.

530NFIP policies in force, any building

530insured units (condo association policies count every unit)

74%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: DeSoto 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, 2025	Aug 31, 2026	Change
Home policies in force	475	426	−10.3%
Median annual cost	$839	$884	+5.4%
Average annual cost	$888	$930	+4.7%
All policies in force (any building)	581	530	−8.8%

How many homes have flood insurance?

0.8%of all homes in DeSoto County have an NFIP policy

34.2%of homes in high-risk zones (special flood hazard area) have one

59,211residential buildings counted by FEMA

821of 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 DeSoto County, Mississippi have filed 280 flood claims. 239 received a payment, for a total of $6,667,060 (an average of $27,896 per paid claim). The year with the most claims was 2014 (57 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (6)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2019	12	10	$824,478	$82,448
2014	57	51	$2,164,967	$42,450
2013	45	43	$1,665,806	$38,740
2011	18	16	$470,081	$29,380
2005	10	<10	–	–
1992	21	20	$120,510	$6,026

From 2016 to 2026: 12 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

Southaven (145 home policies) · Unincorporated De Soto County (103 home policies) · Horn Lake (89 home policies) · Olive Branch (65 home policies) · Hernando (22 home policies)