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Flood insurance cost · Hinds County, MS

Flood insurance cost in Hinds County, Mississippi

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,094 home policies in force on August 31, 2026.

Hinds County, MississippiPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,296a year

Half of insured homes paid between $912 and $1,992. That is 5% more than the Mississippi median ($1,240). Most insured homes here are rated in zone AE (84%).

$0$912 · $1,296 · $1,992$2,490
+8.8% vs Aug 31, 2025 (median $1,191)
2,094home policies in force
$1,615average cost (mean)
84%of insured homes in high-risk zones (A, V)
$150,000median 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.

Cost by flood zone in Hinds 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		$1,451$972–$2,188$1,7361,754 (84%)+8.0%
Zone A
High risk		$883$721–$944$85813 (1%)+11.5%
Zone X
Moderate to low risk		$1,024$702–$1,228$1,000327 (16%)+11.3%

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

Type of buildingPoliciesMedianAverage
Single-family home2,028$1,296$1,599
2–4 unit building49$2,422$2,623
Condo or apartment unit11$557$538
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.		157$2,620$3,623
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		280$2,982$3,601

Not shown (fewer than 10 policies): manufactured (mobile) home.

2,531NFIP policies in force, any building
2,531insured units (condo association policies count every unit)
56%of home policies also cover contents
$50,000median contents coverage, when bought

One year on: Hinds 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 force2,2652,094−7.5%
Median annual cost$1,191$1,296+8.8%
Average annual cost$1,497$1,615+7.9%
All policies in force (any building)2,7552,531−8.1%

How many homes have flood insurance?

2.8%of all homes in Hinds County have an NFIP policy
24.7%of homes in high-risk zones (special flood hazard area) have one
81,695residential buildings counted by FEMA
7,748of 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 Hinds County, Mississippi have filed 4,770 flood claims. 3,838 received a payment, for a total of $71.7 million (an average of $18,683 per paid claim). The year with the most claims was 1983 (1,484 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 663 claims, 619 paid, $13,682,836 in total19791980: 374 claims, 307 paid, $794,919 in total19801981: 46 claims, 35 paid, $54,924 in total1982: 137 claims, 95 paid, $191,639 in total1983: 1,484 claims, 1,301 paid, $22,903,683 in total19831984: 36 claims, 27 paid, $199,393 in total1985: 17 claims1986: 22 claims, 15 paid, $54,303 in total1987: 31 claims, 25 paid, $37,863 in total1988: 29 claims, 23 paid, $77,021 in total1989: 58 claims, 41 paid, $258,419 in total1990: 23 claims, 18 paid, $86,708 in total19901991: 114 claims, 89 paid, $441,527 in total1993: 16 claims, 14 paid, $101,268 in total1994: 38 claims, 22 paid, $110,223 in total1995: 89 claims, 71 paid, $745,144 in total1996: 19 claims, 11 paid, $52,590 in total1997: 54 claims, 43 paid, $439,016 in total1998: 46 claims, 34 paid, $353,367 in total1999: 21 claims, 12 paid, $103,592 in total2000: 23 claims, 16 paid, $57,934 in total20002001: 36 claims, 19 paid, $220,728 in total2002: 59 claims, 43 paid, $692,107 in total2003: 441 claims, 373 paid, $10,461,879 in total20032004: 12 claims2005: 124 claims, 30 paid, $891,921 in total2007: 14 claims2008: 31 claims, 15 paid, $323,272 in total2009: 24 claims, 15 paid, $249,314 in total2010: 43 claims, 33 paid, $876,598 in total20102011: 73 claims, 55 paid, $2,440,829 in total2012: 26 claims, 17 paid, $501,865 in total2013: 45 claims, 34 paid, $648,369 in total2014: 29 claims, 20 paid, $324,060 in total2016: 37 claims, 22 paid, $219,328 in total2017: 41 claims, 27 paid, $974,143 in total2018: 17 claims, 10 paid, $209,619 in total2019: 50 claims, 38 paid, $1,484,251 in total2020: 226 claims, 179 paid, $8,090,700 in total20202021: 25 claims, 20 paid, $651,812 in total2022: 31 claims, 15 paid, $602,755 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 (41)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20223115$602,755$40,184
20212520$651,812$32,591
2020226179$8,090,700$45,199
20195038$1,484,251$39,059
20181710$209,619$20,962
20174127$974,143$36,079
20163722$219,328$9,969
20142920$324,060$16,203
20134534$648,369$19,070
20122617$501,865$29,521
20117355$2,440,829$44,379
20104333$876,598$26,564
20092415$249,314$16,621
20083115$323,272$21,551
200714<10––
200512430$891,921$29,731
200412<10––
2003441373$10,461,879$28,048
20025943$692,107$16,096
20013619$220,728$11,617
20002316$57,934$3,621
19992112$103,592$8,633
19984634$353,367$10,393
19975443$439,016$10,210
19961911$52,590$4,781
19958971$745,144$10,495
19943822$110,223$5,010
19931614$101,268$7,233
199111489$441,527$4,961
19902318$86,708$4,817
19895841$258,419$6,303
19882923$77,021$3,349
19873125$37,863$1,515
19862215$54,303$3,620
198517<10––
19843627$199,393$7,385
19831,4841,301$22,903,683$17,605
198213795$191,639$2,017
19814635$54,924$1,569
1980374307$794,919$2,589
1979663619$13,682,836$22,105

From 2016 to 2026: 427 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 Hinds County

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

Main NFIP communities in the county

Jackson (1,762 home policies) · Clinton (116 home policies) · Unincorporated Hinds County (94 home policies) · Byram (91 home policies) · Terry (23 home policies)