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Flood insurance cost · ZIP 39211 · MS

Flood insurance cost in ZIP 39211 (Jackson, MS)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 800 home policies in force on August 31, 2026.

ZIP code 39211 (Jackson, MS)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,270a year

Half of insured homes paid between $871 and $1,923. That is 2% less than the Hinds County median ($1,296). Most insured homes here are rated in zone AE (88%).

$0$871 · $1,270 · $1,923$2,404
+8.2% vs Aug 31, 2025 (median $1,174)
800home policies in force
$1,608average cost (mean)
88%of insured homes in high-risk zones (A, V)
$200,000median 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 39211

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		$1,366$868–$2,093$1,670704 (88%)+7.3%
Zone X
Moderate to low risk		$1,097$922–$1,260$1,15996 (12%)+17.7%

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 39211, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home779$1,278$1,621
2–4 unit building16$1,198$1,363
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.		37$1,868$3,173
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		37$2,043$2,698

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

874NFIP policies in force, any building
874insured units (condo association policies count every unit)
65%of home policies also cover contents
$58,000median contents coverage, when bought

One year on: ZIP code 39211

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 force857800−6.7%
Median annual cost$1,174$1,270+8.2%
Average annual cost$1,504$1,608+6.9%
All policies in force (any building)953874−8.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 39211 have filed 1,896 flood claims. 1,665 received a payment, for a total of $40.0 million (an average of $23,999 per paid claim). The year with the most claims was 1983 (853 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k1979: 404 claims, 390 paid, $10,778,818 in total19791980: 124 claims, 105 paid, $57,427 in total19801983: 853 claims, 799 paid, $16,941,200 in total19831987: 17 claims, 16 paid, $5,407 in total19901991: 29 claims, 25 paid, $30,951 in total1995: 16 claims, 13 paid, $179,062 in total20002003: 160 claims, 135 paid, $4,770,689 in total20032005: 22 claims2008: 11 claims2009: 10 claims2010: 12 claims, 10 paid, $150,515 in total20102019: 11 claims2020: 114 claims, 87 paid, $4,554,756 in total20202022: 14 claims
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 (14)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202214<10––
202011487$4,554,756$52,354
201911<10––
20101210$150,515$15,052
200910<10––
200811<10––
200522<10––
2003160135$4,770,689$35,338
19951613$179,062$13,774
19912925$30,951$1,238
19871716$5,407$338
1983853799$16,941,200$21,203
1980124105$57,427$547
1979404390$10,778,818$27,638

From 2016 to 2026: 139 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

Jackson (799 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.