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Flood insurance cost · Lowndes County, MS

Flood insurance cost in Lowndes County, Mississippi

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 560 home policies in force on August 31, 2026.

Lowndes County, MississippiPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$912a year

Half of insured homes paid between $715 and $1,271. That is 26% less than the Mississippi median ($1,240). Most insured homes here are rated in zone AE (84%).

$0$715 · $912 · $1,271$1,589
+8.2% vs Aug 31, 2025 (median $843)
560home policies in force
$1,047average cost (mean)
89%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 Lowndes 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		$908$708–$1,309$1,050471 (84%)+9.3%
Zone A
High risk		$1,116$804–$1,456$1,16318 (3%)−1.4%
Zone AO
High risk, shallow		$990$762–$1,273$1,15410 (2%)+5.5%
Zone X
Moderate to low risk		$891$775–$1,182$97261 (11%)+0.1%

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

Type of buildingPoliciesMedianAverage
Single-family home485$887$1,045
2–4 unit building66$934$1,094
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.		28$1,424$1,735
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		117$1,584$1,762

Not shown (fewer than 10 policies): manufactured (mobile) home, condo or apartment unit.

705NFIP policies in force, any building
705insured units (condo association policies count every unit)
37%of home policies also cover contents
$50,000median contents coverage, when bought

One year on: Lowndes 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 force580560−3.4%
Median annual cost$843$912+8.2%
Average annual cost$980$1,047+6.8%
All policies in force (any building)725705−2.8%

How many homes have flood insurance?

2.5%of all homes in Lowndes County have an NFIP policy
17.4%of homes in high-risk zones (special flood hazard area) have one
23,371residential buildings counted by FEMA
2,945of 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 Lowndes County, Mississippi have filed 1,189 flood claims. 933 received a payment, for a total of $7,247,921 (an average of $7,768 per paid claim). The year with the most claims was 1983 (255 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 15 claims, 13 paid, $16,413 in total1979: 154 claims, 130 paid, $949,698 in total1980: 55 claims, 46 paid, $124,498 in total19801982: 69 claims, 55 paid, $252,927 in total1983: 255 claims, 186 paid, $735,359 in total19831990: 155 claims, 147 paid, $1,490,356 in total199019901991: 207 claims, 160 paid, $891,810 in total19911994: 11 claims1995: 23 claims, 17 paid, $169,246 in total1998: 25 claims, 17 paid, $219,137 in total20002003: 17 claims, 13 paid, $201,472 in total2004: 21 claims, 17 paid, $255,665 in total2005: 15 claims2009: 39 claims, 34 paid, $486,412 in total20102019: 23 claims, 14 paid, $190,900 in total2020: 22 claims, 15 paid, $176,416 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 (16)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20202215$176,416$11,761
20192314$190,900$13,636
20093934$486,412$14,306
200515<10––
20042117$255,665$15,039
20031713$201,472$15,498
19982517$219,137$12,890
19952317$169,246$9,956
199411<10––
1991207160$891,810$5,574
1990155147$1,490,356$10,138
1983255186$735,359$3,954
19826955$252,927$4,599
19805546$124,498$2,706
1979154130$949,698$7,305
19781513$16,413$1,263

From 2016 to 2026: 45 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.

Main NFIP communities in the county

Columbus (326 home policies) · Unincorporated Lowndes County (233 home policies)