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Flood insurance cost · Jackson County, MS

Flood insurance cost in Jackson County, Mississippi

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 10,155 home policies in force on August 31, 2026.

Jackson County, MississippiPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,375a year

Half of insured homes paid between $1,159 and $1,730. That is 11% more than the Mississippi median ($1,240). Most insured homes here are rated in zone AE (70%).

$0$1,159 · $1,375 · $1,730$2,162
+14.1% vs Aug 31, 2025 (median $1,205)
10,155home policies in force
$1,532average 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.

Cost by flood zone in Jackson 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		$1,770$1,274–$2,608$2,130364 (4%)+12.7%
Zone AE
High risk		$1,525$1,259–$1,816$1,6357,126 (70%)+13.3%
Zone A
High risk		$1,322$871–$1,817$1,48136 (0%)−0.5%
Zone X
Moderate to low risk		$1,206$1,073–$1,278$1,1712,627 (26%)+14.7%

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 Jackson County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home9,864$1,378$1,540
2–4 unit building142$1,540$1,738
Manufactured (mobile) home31$882$1,017
Condo or apartment unit118$689$785
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.		210$2,239$3,419
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		690$3,406$4,218
11,055NFIP policies in force, any building
11,603insured units (condo association policies count every unit)
87%of home policies also cover contents
$84,000median contents coverage, when bought

One year on: Jackson 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 force10,98710,155−7.6%
Median annual cost$1,205$1,375+14.1%
Average annual cost$1,350$1,532+13.5%
All policies in force (any building)11,95611,055−7.5%

How many homes have flood insurance?

18.6%of all homes in Jackson County have an NFIP policy
55.3%of homes in high-risk zones (special flood hazard area) have one
55,754residential buildings counted by FEMA
13,969of 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 Jackson County, Mississippi have filed 11,332 flood claims. 9,626 received a payment, for a total of $720.8 million (an average of $74,879 per paid claim). The year with the most claims was 2005 (5,414 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1978: 22 claims, 13 paid, $11,979 in total1979: 273 claims, 198 paid, $718,146 in total1980: 189 claims, 155 paid, $421,142 in total19801981: 118 claims, 100 paid, $211,197 in total1982: 23 claims, 16 paid, $13,753 in total1983: 135 claims, 109 paid, $622,751 in total1984: 11 claims1985: 158 claims, 85 paid, $369,419 in total1987: 38 claims, 30 paid, $255,295 in total1990: 47 claims, 39 paid, $173,727 in total19901991: 15 claims, 11 paid, $33,410 in total1993: 41 claims, 26 paid, $175,897 in total1994: 11 claims1995: 44 claims, 34 paid, $160,271 in total1996: 44 claims, 34 paid, $243,665 in total1997: 27 claims, 18 paid, $122,284 in total1998: 1,979 claims, 1,574 paid, $30,126,739 in total199820002001: 42 claims, 22 paid, $167,222 in total2002: 227 claims, 168 paid, $1,866,882 in total2003: 20 claims, 14 paid, $202,630 in total2004: 28 claims2005: 5,414 claims, 5,076 paid, $639,683,864 in total20052008: 77 claims, 50 paid, $640,190 in total2009: 237 claims, 199 paid, $5,148,191 in total2010: 14 claims20102011: 45 claims, 28 paid, $406,600 in total2012: 839 claims, 672 paid, $16,718,484 in total20122013: 203 claims, 178 paid, $4,394,427 in total2014: 18 claims, 13 paid, $138,981 in total2015: 80 claims, 63 paid, $966,922 in total2016: 32 claims, 13 paid, $360,666 in total2017: 241 claims, 173 paid, $4,270,794 in total2018: 12 claims2019: 16 claims, 10 paid, $292,319 in total2020: 289 claims, 227 paid, $4,899,050 in total20202021: 216 claims, 186 paid, $5,587,788 in total2022: 10 claims2023: 20 claims2024: 11 claims2026: 28 claims, 20 paid, $748,217 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 (40)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20262820$748,217$37,411
202411<10––
202320<10––
202210<10––
2021216186$5,587,788$30,042
2020289227$4,899,050$21,582
20191610$292,319$29,232
201812<10––
2017241173$4,270,794$24,687
20163213$360,666$27,744
20158063$966,922$15,348
20141813$138,981$10,691
2013203178$4,394,427$24,688
2012839672$16,718,484$24,879
20114528$406,600$14,521
201014<10––
2009237199$5,148,191$25,870
20087750$640,190$12,804
20055,4145,076$639,683,864$126,021
200428<10––
20032014$202,630$14,474
2002227168$1,866,882$11,112
20014222$167,222$7,601
19981,9791,574$30,126,739$19,140
19972718$122,284$6,794
19964434$243,665$7,167
19954434$160,271$4,714
199411<10––
19934126$175,897$6,765
19911511$33,410$3,037
19904739$173,727$4,455
19873830$255,295$8,510
198515885$369,419$4,346
198411<10––
1983135109$622,751$5,713
19822316$13,753$860
1981118100$211,197$2,112
1980189155$421,142$2,717
1979273198$718,146$3,627
19782213$11,979$921

From 2016 to 2026: 875 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 Jackson County

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

Main NFIP communities in the county

Unincorporated Jackson County (3,707 home policies) · Pascagoula (3,356 home policies) · Ocean Springs (1,500 home policies) · Gautier (1,013 home policies) · Moss Point (577 home policies)