Menu

Flood insurance cost · Marion County, MS

Flood insurance cost in Marion County, Mississippi

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 137 home policies in force on August 31, 2026.

Marion County, MississippiPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$790a year

Half of insured homes paid between $650 and $1,097. That is 36% less than the Mississippi median ($1,240). The most common flood zone for insured homes here is zone AE (42%).

$0$650 · $790 · $1,097$1,371
+1.9% vs Aug 31, 2025 (median $775)
137home policies in force
$936average cost (mean)
76%of insured homes in high-risk zones (A, V)
$132,000median 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. FEMA declarations and IRS tax relief in Marion County.

Cost by flood zone in Marion 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		$690$587–$873$84258 (42%)+6.2%
Zone A
High risk		$1,056$834–$1,362$1,10434 (25%)+11.7%
Zone AO
High risk, shallow		$718$608–$752$72112 (9%)+6.5%
Zone X
Moderate to low risk		$984$719–$1,218$1,00733 (24%)+15.8%

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 Marion County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home124$790$922
Manufactured (mobile) home12$774$1,032
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		73$1,258$1,484

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

213NFIP policies in force, any building
213insured units (condo association policies count every unit)
65%of home policies also cover contents
$37,000median contents coverage, when bought

One year on: Marion 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 force141137−2.8%
Median annual cost$775$790+1.9%
Average annual cost$865$936+8.2%
All policies in force (any building)222213−4.1%

How many homes have flood insurance?

1.3%of all homes in Marion County have an NFIP policy
13.9%of homes in high-risk zones (special flood hazard area) have one
10,785residential buildings counted by FEMA
754of 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 Marion County, Mississippi have filed 687 flood claims. 534 received a payment, for a total of $7,279,054 (an average of $13,631 per paid claim). The year with the most claims was 1980 (111 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001979: 79 claims, 68 paid, $506,257 in total19791980: 111 claims, 75 paid, $359,835 in total198019801982: 10 claims1983: 105 claims, 91 paid, $752,169 in total19831987: 55 claims, 54 paid, $1,106,641 in total1990: 24 claims, 21 paid, $143,524 in total19901991: 16 claims, 14 paid, $109,043 in total1997: 40 claims, 36 paid, $592,763 in total1999: 11 claims, 11 paid, $167,929 in total20002001: 11 claims2005: 31 claims2008: 20 claims, 17 paid, $474,848 in total20102011: 16 claims2012: 12 claims, 12 paid, $350,229 in total2016: 41 claims, 34 paid, $1,188,937 in total2020: 21 claims, 19 paid, $459,155 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
20202119$459,155$24,166
20164134$1,188,937$34,969
20121212$350,229$29,186
201116<10––
20082017$474,848$27,932
200531<10––
200111<10––
19991111$167,929$15,266
19974036$592,763$16,466
19911614$109,043$7,789
19902421$143,524$6,834
19875554$1,106,641$20,493
198310591$752,169$8,266
198210<10––
198011175$359,835$4,798
19797968$506,257$7,445

From 2016 to 2026: 62 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

Unincorporated Marion County (95 home policies) · Columbia (41 home policies)