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Flood insurance cost · Washington County, MS

Flood insurance cost in Washington County, Mississippi

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,196 home policies in force on August 31, 2026.

Washington County, MississippiPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$884a year

Half of insured homes paid between $702 and $1,140. That is 29% less than the Mississippi median ($1,240). Most insured homes here are rated in zone AE (75%).

$0$702 · $884 · $1,140$1,425
+6.0% vs Aug 31, 2025 (median $834)
1,196home policies in force
$942average cost (mean)
80%of insured homes in high-risk zones (A, V)
$128,000median 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 Washington County.

Cost by flood zone in Washington 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		$837$663–$1,087$903893 (75%)+5.4%
Zone A
High risk		$885$750–$1,116$98163 (5%)+8.7%
Zone X
Moderate to low risk		$1,084$868–$1,238$1,077240 (20%)+16.6%

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 Washington County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,140$891$949
2–4 unit building25$848$952
Manufactured (mobile) home28$676$664
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.		40$1,661$1,764
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		129$1,279$1,798

Not shown (fewer than 10 policies): condo or apartment unit.

1,365NFIP policies in force, any building
1,365insured units (condo association policies count every unit)
49%of home policies also cover contents
$59,000median contents coverage, when bought

One year on: Washington 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 force1,2911,196−7.4%
Median annual cost$834$884+6.0%
Average annual cost$877$942+7.4%
All policies in force (any building)1,4531,365−6.1%

How many homes have flood insurance?

6.5%of all homes in Washington County have an NFIP policy
21.0%of homes in high-risk zones (special flood hazard area) have one
19,157residential buildings counted by FEMA
4,658of 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 Washington County, Mississippi have filed 1,962 flood claims. 1,603 received a payment, for a total of $36.7 million (an average of $22,909 per paid claim). The year with the most claims was 2008 (421 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 107 claims, 98 paid, $994,397 in total19801982: 16 claims, 11 paid, $31,892 in total1983: 134 claims, 121 paid, $1,388,386 in total1984: 79 claims, 71 paid, $397,187 in total19901991: 176 claims, 145 paid, $1,009,209 in total19911994: 61 claims, 52 paid, $550,278 in total1995: 92 claims, 79 paid, $962,314 in total1997: 100 claims, 91 paid, $1,744,217 in total1998: 34 claims, 27 paid, $236,850 in total1999: 15 claims, 14 paid, $126,928 in total2000: 14 claims20002001: 24 claims, 18 paid, $134,303 in total2002: 45 claims, 34 paid, $260,942 in total2003: 11 claims2004: 12 claims2005: 22 claims, 13 paid, $145,801 in total2008: 421 claims, 362 paid, $9,248,722 in total20082009: 30 claims, 21 paid, $350,596 in total20102011: 118 claims, 85 paid, $10,891,243 in total2013: 10 claims2016: 197 claims, 153 paid, $3,977,756 in total20162018: 35 claims, 28 paid, $1,193,481 in total2019: 96 claims, 79 paid, $2,079,359 in total2020: 20 claims, 14 paid, $325,824 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 (24)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20202014$325,824$23,273
20199679$2,079,359$26,321
20183528$1,193,481$42,624
2016197153$3,977,756$25,998
201310<10––
201111885$10,891,243$128,132
20093021$350,596$16,695
2008421362$9,248,722$25,549
20052213$145,801$11,215
200412<10––
200311<10––
20024534$260,942$7,675
20012418$134,303$7,461
200014<10––
19991514$126,928$9,066
19983427$236,850$8,772
199710091$1,744,217$19,167
19959279$962,314$12,181
19946152$550,278$10,582
1991176145$1,009,209$6,960
19847971$397,187$5,594
1983134121$1,388,386$11,474
19821611$31,892$2,899
197910798$994,397$10,147

From 2016 to 2026: 348 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 Washington County

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

Main NFIP communities in the county

Greenville (888 home policies) · Unincorporated Washington County (248 home policies) · Metcalfe (25 home policies) · Leland (19 home policies)