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Flood insurance cost · Harrison County, MS

Flood insurance cost in Harrison County, Mississippi

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 10,177 home policies in force on August 31, 2026.

Harrison County, MississippiPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,261a year

Half of insured homes paid between $1,010 and $1,604. That is about the same as the Mississippi median ($1,240). Most insured homes here are rated in zone AE (53%).

$0$1,010 · $1,261 · $1,604$2,005
+16.4% vs Aug 31, 2025 (median $1,083)
10,177home policies in force
$1,420average cost (mean)
62%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 Harrison County.

Cost by flood zone in Harrison 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		$1,450$1,130–$2,110$1,795671 (7%)+13.1%
Zone AE
High risk		$1,455$1,122–$1,836$1,6315,392 (53%)+12.6%
Zone A
High risk		$1,186$968–$1,456$1,233122 (1%)+8.1%
Zone AO
High risk, shallow		$1,799$1,728–$1,942$1,84015 (0%)+5.7%
Zone AH
High risk, shallow		$851$695–$977$833106 (1%)+6.2%
Zone X
Moderate to low risk		$1,100$868–$1,266$1,0803,871 (38%)+12.1%

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 Harrison County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home9,612$1,264$1,437
2–4 unit building289$1,448$1,460
Manufactured (mobile) home28$794$974
Condo or apartment unit248$638$758
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.		403$2,380$3,428
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		1,179$3,324$4,310
11,759NFIP policies in force, any building
13,095insured units (condo association policies count every unit)
86%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Harrison 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 force10,94810,177−7.0%
Median annual cost$1,083$1,261+16.4%
Average annual cost$1,262$1,420+12.5%
All policies in force (any building)12,57511,759−6.5%

How many homes have flood insurance?

14.4%of all homes in Harrison County have an NFIP policy
62.5%of homes in high-risk zones (special flood hazard area) have one
73,384residential buildings counted by FEMA
10,451of 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 Harrison County, Mississippi have filed 15,946 flood claims. 13,289 received a payment, for a total of $1.3 billion (an average of $97,384 per paid claim). The year with the most claims was 2005 (8,241 claims). Amounts are in dollars of the time, not adjusted for inflation.

02.5k5k7.5k10k1978: 59 claims, 45 paid, $84,799 in total1979: 133 claims, 98 paid, $366,637 in total1980: 409 claims, 325 paid, $1,359,997 in total19801981: 12 claims, 10 paid, $31,067 in total1982: 57 claims, 47 paid, $101,578 in total1983: 188 claims, 148 paid, $909,994 in total1984: 15 claims, 11 paid, $31,026 in total1985: 423 claims, 266 paid, $1,731,737 in total1987: 52 claims, 39 paid, $442,316 in total1988: 43 claims, 33 paid, $164,073 in total1989: 27 claims, 22 paid, $105,646 in total1990: 23 claims, 18 paid, $133,807 in total19901991: 244 claims, 208 paid, $3,191,779 in total1992: 59 claims, 46 paid, $232,689 in total1993: 143 claims, 116 paid, $1,944,230 in total1994: 66 claims, 56 paid, $620,813 in total1995: 556 claims, 479 paid, $8,601,190 in total1996: 43 claims, 32 paid, $218,183 in total1997: 55 claims, 40 paid, $419,345 in total1998: 1,512 claims, 1,082 paid, $18,284,885 in total199820002001: 483 claims, 400 paid, $6,312,232 in total2002: 627 claims, 470 paid, $6,664,099 in total20022003: 27 claims, 16 paid, $66,444 in total2004: 42 claims, 18 paid, $97,808 in total2005: 8,241 claims, 7,514 paid, $1,195,670,908 in total20052006: 28 claims, 22 paid, $441,516 in total2008: 294 claims, 178 paid, $2,437,612 in total2009: 216 claims, 196 paid, $3,904,016 in total2010: 19 claims20102011: 29 claims, 16 paid, $139,621 in total2012: 544 claims, 337 paid, $8,536,575 in total2013: 104 claims, 85 paid, $3,290,740 in total2014: 23 claims, 14 paid, $316,406 in total2015: 14 claims2016: 147 claims, 115 paid, $4,238,234 in total2017: 121 claims, 100 paid, $2,632,577 in total2018: 53 claims, 47 paid, $2,072,671 in total2019: 17 claims, 10 paid, $321,642 in total2020: 460 claims, 338 paid, $6,575,889 in total20202021: 145 claims, 119 paid, $3,271,228 in total2022: 12 claims, 10 paid, $332,396 in total2026: 144 claims, 127 paid, $7,510,808 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 (42)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2026144127$7,510,808$59,140
20221210$332,396$33,240
2021145119$3,271,228$27,489
2020460338$6,575,889$19,455
20191710$321,642$32,164
20185347$2,072,671$44,099
2017121100$2,632,577$26,326
2016147115$4,238,234$36,854
201514<10––
20142314$316,406$22,600
201310485$3,290,740$38,715
2012544337$8,536,575$25,331
20112916$139,621$8,726
201019<10––
2009216196$3,904,016$19,918
2008294178$2,437,612$13,694
20062822$441,516$20,069
20058,2417,514$1,195,670,908$159,126
20044218$97,808$5,434
20032716$66,444$4,153
2002627470$6,664,099$14,179
2001483400$6,312,232$15,781
19981,5121,082$18,284,885$16,899
19975540$419,345$10,484
19964332$218,183$6,818
1995556479$8,601,190$17,957
19946656$620,813$11,086
1993143116$1,944,230$16,761
19925946$232,689$5,058
1991244208$3,191,779$15,345
19902318$133,807$7,434
19892722$105,646$4,802
19884333$164,073$4,972
19875239$442,316$11,341
1985423266$1,731,737$6,510
19841511$31,026$2,821
1983188148$909,994$6,149
19825747$101,578$2,161
19811210$31,067$3,107
1980409325$1,359,997$4,185
197913398$366,637$3,741
19785945$84,799$1,884

From 2016 to 2026: 1,099 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 Harrison County

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

Main NFIP communities in the county

Biloxi (2,806 home policies) · Gulfport (2,716 home policies) · Pass Christian (1,812 home policies) · Unincorporated Harrison County (1,200 home policies) · Long Beach (1,185 home policies) · D'iberville (457 home policies)