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Flood insurance cost · Warren County, MS

Flood insurance cost in Warren County, Mississippi

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 309 home policies in force on August 31, 2026.

Warren County, MississippiPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$810a year

Half of insured homes paid between $643 and $1,091. That is 35% less than the Mississippi median ($1,240). Most insured homes here are rated in zone AE (91%).

$0$643 · $810 · $1,091$1,364
+4.9% vs Aug 31, 2025 (median $772)
309home policies in force
$925average cost (mean)
94%of insured homes in high-risk zones (A, V)
$178,000median 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: 2 FEMA declarations · individual aid. FEMA declarations and IRS tax relief in Warren County.

Cost by flood zone in Warren 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		$798$643–$1,090$926280 (91%)+3.9%
Zone X
Moderate to low risk		$870$548–$946$82120 (6%)+16.5%

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

Type of buildingPoliciesMedianAverage
Single-family home284$818$934
Manufactured (mobile) home23$742$829
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		45$1,173$1,854

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

361NFIP policies in force, any building
361insured units (condo association policies count every unit)
55%of home policies also cover contents
$53,500median contents coverage, when bought

One year on: Warren 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 force318309−2.8%
Median annual cost$772$810+4.9%
Average annual cost$880$925+5.1%
All policies in force (any building)364361−0.8%

How many homes have flood insurance?

1.7%of all homes in Warren County have an NFIP policy
17.3%of homes in high-risk zones (special flood hazard area) have one
19,265residential buildings counted by FEMA
1,722of 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 Warren County, Mississippi have filed 2,702 flood claims. 2,280 received a payment, for a total of $35.8 million (an average of $15,709 per paid claim). The year with the most claims was 1983 (380 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 12 claims1979: 331 claims, 307 paid, $2,121,373 in total19791980: 32 claims, 29 paid, $157,041 in total19801982: 63 claims, 50 paid, $275,228 in total1983: 380 claims, 333 paid, $3,010,097 in total19831984: 166 claims, 126 paid, $735,636 in total1985: 19 claims, 14 paid, $59,565 in total1987: 230 claims, 218 paid, $3,459,447 in total19871989: 22 claims, 16 paid, $158,506 in total1990: 185 claims, 176 paid, $2,818,908 in total19901991: 81 claims, 60 paid, $544,086 in total1993: 116 claims, 110 paid, $1,657,563 in total1994: 112 claims, 92 paid, $937,311 in total1995: 163 claims, 142 paid, $1,382,822 in total1997: 138 claims, 122 paid, $1,888,716 in total20002002: 21 claims, 17 paid, $191,653 in total2003: 63 claims, 58 paid, $1,459,637 in total2005: 33 claims, 23 paid, $630,001 in total2006: 12 claims, 10 paid, $164,279 in total2008: 64 claims, 60 paid, $2,180,927 in total2009: 22 claims, 19 paid, $330,895 in total20102011: 182 claims, 98 paid, $5,651,267 in total2016: 15 claims, 11 paid, $123,857 in total2017: 29 claims, 24 paid, $1,109,839 in total2018: 11 claims, 10 paid, $273,724 in total2019: 123 claims, 92 paid, $3,874,075 in total2020: 12 claims, 10 paid, $70,994 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 (27)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20201210$70,994$7,099
201912392$3,874,075$42,110
20181110$273,724$27,372
20172924$1,109,839$46,243
20161511$123,857$11,260
201118298$5,651,267$57,666
20092219$330,895$17,416
20086460$2,180,927$36,349
20061210$164,279$16,428
20053323$630,001$27,391
20036358$1,459,637$25,166
20022117$191,653$11,274
1997138122$1,888,716$15,481
1995163142$1,382,822$9,738
199411292$937,311$10,188
1993116110$1,657,563$15,069
19918160$544,086$9,068
1990185176$2,818,908$16,017
19892216$158,506$9,907
1987230218$3,459,447$15,869
19851914$59,565$4,255
1984166126$735,636$5,838
1983380333$3,010,097$9,039
19826350$275,228$5,505
19803229$157,041$5,415
1979331307$2,121,373$6,910
197812<10––

From 2016 to 2026: 190 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 Warren County (231 home policies) · Vicksburg (76 home policies)