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Flood insurance cost · Pearl River County, MS

Flood insurance cost in Pearl River County, Mississippi

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 625 home policies in force on August 31, 2026.

Pearl River County, MississippiPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$949a year

Half of insured homes paid between $699 and $1,233. That is 23% less than the Mississippi median ($1,240). The most common flood zone for insured homes here is zone X (46%).

$0$699 · $949 · $1,233$1,541
+8.3% vs Aug 31, 2025 (median $876)
625home policies in force
$1,007average cost (mean)
54%of insured homes in high-risk zones (A, V)
$215,000median 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 Feb 1, 2027. FEMA declarations and IRS tax relief in Pearl River County.

Cost by flood zone in Pearl River 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		$946$726–$1,243$1,059262 (42%)+8.2%
Zone A
High risk		$1,062$732–$1,402$1,13376 (12%)+12.9%
Zone X
Moderate to low risk		$935$640–$1,164$926287 (46%)+7.3%

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 Pearl River County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home595$966$1,015
Manufactured (mobile) home25$759$816
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.		18$1,229$1,762
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		53$1,300$1,445

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

696NFIP policies in force, any building
696insured units (condo association policies count every unit)
78%of home policies also cover contents
$80,000median contents coverage, when bought

One year on: Pearl River 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 force653625−4.3%
Median annual cost$876$949+8.3%
Average annual cost$923$1,007+9.1%
All policies in force (any building)723696−3.7%

How many homes have flood insurance?

2.6%of all homes in Pearl River County have an NFIP policy
17.7%of homes in high-risk zones (special flood hazard area) have one
24,360residential buildings counted by FEMA
1,926of 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 Pearl River County, Mississippi have filed 828 flood claims. 639 received a payment, for a total of $18.1 million (an average of $28,320 per paid claim). The year with the most claims was 2005 (158 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001980: 31 claims, 29 paid, $209,939 in total19801981: 11 claims, 10 paid, $114,339 in total1983: 47 claims, 44 paid, $883,981 in total19901993: 49 claims, 37 paid, $918,968 in total1995: 56 claims, 47 paid, $631,464 in total19951996: 29 claims, 24 paid, $167,724 in total1998: 49 claims, 34 paid, $299,596 in total20002001: 28 claims, 21 paid, $226,056 in total2002: 15 claims, 14 paid, $203,349 in total2004: 14 claims, 14 paid, $288,841 in total2005: 158 claims, 86 paid, $3,082,835 in total20052007: 23 claims, 21 paid, $360,713 in total20102012: 137 claims, 122 paid, $5,629,115 in total20122016: 37 claims, 27 paid, $892,078 in total2019: 23 claims, 20 paid, $1,844,139 in total20202021: 26 claims, 19 paid, $648,239 in total2026: 26 claims, 22 paid, $1,272,881 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 (17)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20262622$1,272,881$57,858
20212619$648,239$34,118
20192320$1,844,139$92,207
20163727$892,078$33,040
2012137122$5,629,115$46,140
20072321$360,713$17,177
200515886$3,082,835$35,847
20041414$288,841$20,632
20021514$203,349$14,525
20012821$226,056$10,765
19984934$299,596$8,812
19962924$167,724$6,988
19955647$631,464$13,435
19934937$918,968$24,837
19834744$883,981$20,090
19811110$114,339$11,434
19803129$209,939$7,239

From 2016 to 2026: 112 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 Pearl River County

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

Main NFIP communities in the county

Unincorporated Pearl River County (488 home policies) · Picayune (133 home policies)