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Flood insurance cost · Madison County, MS

Flood insurance cost in Madison County, Mississippi

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 633 home policies in force on August 31, 2026.

Madison County, MississippiPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$873a year

Half of insured homes paid between $666 and $1,086. That is 30% less than the Mississippi median ($1,240). Most insured homes here are rated in zone AE (52%).

$0$666 · $873 · $1,086$1,358
+5.2% vs Aug 31, 2025 (median $830)
633home policies in force
$930average cost (mean)
55%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 Madison 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		$934$738–$1,172$1,005331 (52%)+7.2%
Zone A
High risk		$813$722–$1,297$1,02817 (3%)+7.5%
Zone X
Moderate to low risk		$791$574–$1,077$837285 (45%)+3.4%

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 Madison County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home612$882$939
Manufactured (mobile) home11$650$753
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.		12$1,374$1,465
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		141$1,545$1,891

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit.

786NFIP policies in force, any building
795insured units (condo association policies count every unit)
67%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Madison 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 force684633−7.5%
Median annual cost$830$873+5.2%
Average annual cost$877$930+6.0%
All policies in force (any building)851786−7.6%

How many homes have flood insurance?

1.9%of all homes in Madison County have an NFIP policy
27.6%of homes in high-risk zones (special flood hazard area) have one
33,827residential buildings counted by FEMA
1,279of 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 Madison County, Mississippi have filed 1,007 flood claims. 770 received a payment, for a total of $10.1 million (an average of $13,175 per paid claim). The year with the most claims was 1983 (180 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001979: 52 claims, 45 paid, $196,918 in total1980: 37 claims, 33 paid, $88,486 in total19801982: 86 claims, 66 paid, $236,420 in total19821983: 180 claims, 132 paid, $630,534 in total19831984: 25 claims, 17 paid, $57,387 in total1985: 24 claims, 17 paid, $120,649 in total1986: 41 claims, 30 paid, $108,935 in total1987: 54 claims, 48 paid, $284,114 in total19871989: 20 claims, 17 paid, $76,941 in total1990: 22 claims, 19 paid, $98,368 in total19901991: 24 claims, 19 paid, $63,955 in total1994: 14 claims, 10 paid, $64,688 in total1995: 54 claims, 42 paid, $794,389 in total1996: 14 claims1997: 17 claims, 13 paid, $119,453 in total2000: 16 claims, 13 paid, $169,407 in total20002001: 17 claims, 12 paid, $124,589 in total2003: 44 claims, 34 paid, $1,046,629 in total2005: 12 claims2008: 12 claims, 10 paid, $157,535 in total20102011: 35 claims, 25 paid, $355,840 in total2016: 11 claims2017: 53 claims, 47 paid, $1,984,400 in total2019: 21 claims, 15 paid, $442,296 in total2020: 28 claims, 24 paid, $520,663 in total20202022: 25 claims, 20 paid, $1,011,895 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 (26)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20222520$1,011,895$50,595
20202824$520,663$21,694
20192115$442,296$29,486
20175347$1,984,400$42,221
201611<10––
20113525$355,840$14,234
20081210$157,535$15,754
200512<10––
20034434$1,046,629$30,783
20011712$124,589$10,382
20001613$169,407$13,031
19971713$119,453$9,189
199614<10––
19955442$794,389$18,914
19941410$64,688$6,469
19912419$63,955$3,366
19902219$98,368$5,177
19892017$76,941$4,526
19875448$284,114$5,919
19864130$108,935$3,631
19852417$120,649$7,097
19842517$57,387$3,376
1983180132$630,534$4,777
19828666$236,420$3,582
19803733$88,486$2,681
19795245$196,918$4,376

From 2016 to 2026: 138 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

Madison (179 home policies) · Unincorporated Madison County (178 home policies) · Ridgeland (120 home policies) · Pearl River Valley Water Supply District (74 home policies) · Canton (70 home policies)