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Flood insurance cost · Hancock County, MS

Flood insurance cost in Hancock County, Mississippi

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 6,655 home policies in force on August 31, 2026.

Hancock County, MississippiPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,348a year

Half of insured homes paid between $1,108 and $1,690. That is 9% more than the Mississippi median ($1,240). Most insured homes here are rated in zone AE (63%).

$0$1,108 · $1,348 · $1,690$2,112
+12.3% vs Aug 31, 2025 (median $1,200)
6,655home policies in force
$1,489average cost (mean)
74%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: 3 FEMA declarations · individual aid · IRS Feb 1, 2027. FEMA declarations and IRS tax relief in Hancock County.

Cost by flood zone in Hancock 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 VE / V
High risk, coastal		$1,527$1,262–$2,134$1,858755 (11%)+11.1%
Zone AE
High risk		$1,481$1,188–$1,746$1,5744,161 (63%)+13.7%
Zone A
High risk		$1,523$1,348–$1,781$1,75513 (0%)+12.8%
Zone X
Moderate to low risk		$1,152$955–$1,267$1,1201,726 (26%)+11.0%

Not shown (fewer than 10 home policies): 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 Hancock County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home6,364$1,346$1,493
2–4 unit building206$1,484$1,572
Manufactured (mobile) home51$1,114$1,166
Condo or apartment unit34$624$722
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.		61$2,220$2,780
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		478$2,985$3,763
7,194NFIP policies in force, any building
7,275insured units (condo association policies count every unit)
88%of home policies also cover contents
$94,000median contents coverage, when bought

One year on: Hancock 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 force7,0176,655−5.2%
Median annual cost$1,200$1,348+12.3%
Average annual cost$1,330$1,489+12.0%
All policies in force (any building)7,5817,194−5.1%

How many homes have flood insurance?

33.1%of all homes in Hancock County have an NFIP policy
63.8%of homes in high-risk zones (special flood hazard area) have one
20,309residential buildings counted by FEMA
7,785of 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 Hancock County, Mississippi have filed 9,941 flood claims. 8,789 received a payment, for a total of $745.3 million (an average of $84,801 per paid claim). The year with the most claims was 2005 (5,305 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1979: 62 claims, 53 paid, $68,297 in total1980: 39 claims, 33 paid, $108,049 in total19801982: 33 claims, 29 paid, $54,648 in total1983: 193 claims, 157 paid, $500,015 in total1985: 264 claims, 184 paid, $923,226 in total1989: 10 claims19901991: 39 claims, 28 paid, $125,751 in total1993: 14 claims1995: 192 claims, 144 paid, $1,091,009 in total1996: 11 claims1997: 60 claims, 44 paid, $254,451 in total1998: 548 claims, 355 paid, $2,008,611 in total20002001: 84 claims, 69 paid, $605,570 in total2002: 1,030 claims, 838 paid, $7,892,034 in total20022003: 54 claims, 46 paid, $334,294 in total2004: 34 claims, 23 paid, $138,580 in total2005: 5,305 claims, 5,179 paid, $703,519,014 in total20052008: 623 claims, 517 paid, $6,795,394 in total2009: 12 claims2010: 17 claims, 11 paid, $281,542 in total20102012: 658 claims, 524 paid, $10,240,025 in total20122016: 14 claims2017: 15 claims, 10 paid, $169,704 in total2018: 10 claims2020: 195 claims, 153 paid, $1,233,325 in total20202021: 219 claims, 196 paid, $6,389,889 in total2024: 12 claims2026: 84 claims, 73 paid, $1,077,179 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 (28)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20268473$1,077,179$14,756
202412<10––
2021219196$6,389,889$32,601
2020195153$1,233,325$8,061
201810<10––
20171510$169,704$16,970
201614<10––
2012658524$10,240,025$19,542
20101711$281,542$25,595
200912<10––
2008623517$6,795,394$13,144
20055,3055,179$703,519,014$135,841
20043423$138,580$6,025
20035446$334,294$7,267
20021,030838$7,892,034$9,418
20018469$605,570$8,776
1998548355$2,008,611$5,658
19976044$254,451$5,783
199611<10––
1995192144$1,091,009$7,576
199314<10––
19913928$125,751$4,491
198910<10––
1985264184$923,226$5,018
1983193157$500,015$3,185
19823329$54,648$1,884
19803933$108,049$3,274
19796253$68,297$1,289

From 2016 to 2026: 549 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.

ZIP codes in Hancock County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

Unincorporated Hancock County (2,504 home policies) · Bay St. Louis (2,267 home policies) · Waveland (1,447 home policies) · Diamondhead (437 home policies)