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Flood insurance cost · Lamar County, MS

Flood insurance cost in Lamar County, Mississippi

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 247 home policies in force on August 31, 2026.

Lamar County, MississippiPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,083a year

Half of insured homes paid between $743 and $1,588. That is 13% less than the Mississippi median ($1,240). Most insured homes here are rated in zone AE (55%).

$0$743 · $1,083 · $1,588$1,985
+6.5% vs Aug 31, 2025 (median $1,017)
247home policies in force
$1,198average cost (mean)
60%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 Nov 2, 2026. FEMA declarations and IRS tax relief in Lamar County.

Cost by flood zone in Lamar 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		$1,437$998–$1,862$1,480137 (55%)+5.7%
Zone A
High risk		$827$690–$1,037$95511 (4%)+4.9%
Zone X
Moderate to low risk		$765$552–$1,082$83599 (40%)+1.9%

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 Lamar County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home242$1,084$1,209
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		11$1,219$2,542

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit, whole residential building (5+ units or condo association).

263NFIP policies in force, any building
263insured units (condo association policies count every unit)
69%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Lamar 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 force259247−4.6%
Median annual cost$1,017$1,083+6.5%
Average annual cost$1,151$1,198+4.1%
All policies in force (any building)278263−5.4%

How many homes have flood insurance?

1.2%of all homes in Lamar County have an NFIP policy
48.2%of homes in high-risk zones (special flood hazard area) have one
21,454residential buildings counted by FEMA
311of 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 Lamar County, Mississippi have filed 399 flood claims. 335 received a payment, for a total of $5,897,078 (an average of $17,603 per paid claim). The year with the most claims was 1999 (67 claims). Amounts are in dollars of the time, not adjusted for inflation.

02040608019801983: 22 claims, 18 paid, $155,958 in total1990: 10 claims, 10 paid, $45,028 in total19901998: 22 claims, 20 paid, $242,471 in total1999: 67 claims, 57 paid, $681,990 in total199920002001: 28 claims, 25 paid, $270,472 in total2003: 29 claims, 27 paid, $344,773 in total20032004: 20 claims, 19 paid, $525,386 in total2005: 58 claims, 44 paid, $1,077,710 in total20052009: 14 claims, 11 paid, $227,683 in total20102012: 11 claims2014: 23 claims, 19 paid, $619,080 in total2016: 10 claims2017: 10 claims, 10 paid, $335,801 in total2020
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 (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20171010$335,801$33,580
201610<10––
20142319$619,080$32,583
201211<10––
20091411$227,683$20,698
20055844$1,077,710$24,493
20042019$525,386$27,652
20032927$344,773$12,769
20012825$270,472$10,819
19996757$681,990$11,965
19982220$242,471$12,124
19901010$45,028$4,503
19832218$155,958$8,664

From 2016 to 2026: 20 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 Lamar County

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

Main NFIP communities in the county

Unincorporated Lamar County (234 home policies) · Hattiesburg (10 home policies)