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Flood insurance cost · ZIP 38703 · MS

Flood insurance cost in ZIP 38703 (Greenville, MS)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 576 home policies in force on August 31, 2026.

ZIP code 38703 (Greenville, MS)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$820a year

Half of insured homes paid between $662 and $1,022. That is 7% less than the Washington County median ($884). Most insured homes here are rated in zone AE (91%).

$0$662 · $820 · $1,022$1,278
+4.6% vs Aug 31, 2025 (median $784)
576home policies in force
$868average cost (mean)
91%of insured homes in high-risk zones (A, V)
$83,000median 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 ZIP code 38703

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		$800$650–$986$852526 (91%)+3.6%
Zone X
Moderate to low risk		$1,086$920–$1,239$1,04450 (9%)+16.6%

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 ZIP code 38703, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home564$820$869
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.		23$2,662$2,341
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		53$1,535$1,977

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

652NFIP policies in force, any building
652insured units (condo association policies count every unit)
40%of home policies also cover contents
$34,000median contents coverage, when bought

One year on: ZIP code 38703

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 force616576−6.5%
Median annual cost$784$820+4.6%
Average annual cost$828$868+4.8%
All policies in force (any building)700652−6.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 38703 have filed 1,020 flood claims. 832 received a payment, for a total of $20.9 million (an average of $25,088 per paid claim). The year with the most claims was 2008 (288 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 32 claims, 31 paid, $331,852 in total19801983: 40 claims, 39 paid, $514,725 in total1984: 27 claims, 25 paid, $164,546 in total19901991: 82 claims, 64 paid, $355,435 in total19911994: 25 claims, 18 paid, $165,749 in total1995: 34 claims, 30 paid, $398,580 in total1997: 49 claims, 43 paid, $726,199 in total1998: 11 claims1999: 11 claims, 10 paid, $122,090 in total20002001: 11 claims2002: 30 claims, 24 paid, $159,260 in total2005: 16 claims, 10 paid, $131,430 in total2008: 288 claims, 254 paid, $6,289,705 in total20082009: 23 claims, 16 paid, $289,854 in total20102011: 76 claims, 66 paid, $7,701,473 in total2016: 108 claims, 82 paid, $1,598,189 in total20162018: 19 claims, 15 paid, $354,974 in total2019: 47 claims, 39 paid, $899,256 in total2020: 15 claims, 10 paid, $283,241 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 (19)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20201510$283,241$28,324
20194739$899,256$23,058
20181915$354,974$23,665
201610882$1,598,189$19,490
20117666$7,701,473$116,689
20092316$289,854$18,116
2008288254$6,289,705$24,763
20051610$131,430$13,143
20023024$159,260$6,636
200111<10––
19991110$122,090$12,209
199811<10––
19974943$726,199$16,888
19953430$398,580$13,286
19942518$165,749$9,208
19918264$355,435$5,554
19842725$164,546$6,582
19834039$514,725$13,198
19793231$331,852$10,705

From 2016 to 2026: 189 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.

NFIP communities in this ZIP code

Greenville (487 home policies) · Unincorporated Washington County (80 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.