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Flood insurance cost · ZIP 39402 · MS

Flood insurance cost in ZIP 39402 (unincorporated Lamar County, MS)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 303 home policies in force on August 31, 2026.

ZIP code 39402 (unincorporated Lamar County, MS)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,114a year

Half of insured homes paid between $754 and $1,478. That is 3% more than the Lamar County median ($1,083). Most insured homes here are rated in zone AE (57%).

$0$754 · $1,114 · $1,478$1,848
+6.5% vs Aug 31, 2025 (median $1,046)
303home policies in force
$1,185average cost (mean)
61%of insured homes in high-risk zones (A, V)
$250,000median 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 39402

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		$1,353$1,106–$1,810$1,465173 (57%)+8.2%
Zone A
High risk		$810$616–$960$86413 (4%)+3.8%
Zone X
Moderate to low risk		$759$563–$1,080$807117 (39%)±0.0%

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 ZIP code 39402, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home300$1,116$1,190
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		36$1,856$2,406

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

344NFIP policies in force, any building
344insured units (condo association policies count every unit)
71%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 39402

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 force316303−4.1%
Median annual cost$1,046$1,114+6.5%
Average annual cost$1,121$1,185+5.7%
All policies in force (any building)364344−5.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 39402 have filed 504 flood claims. 422 received a payment, for a total of $7,155,510 (an average of $16,956 per paid claim). The year with the most claims was 1999 (72 claims). Amounts are in dollars of the time, not adjusted for inflation.

02040608019801983: 65 claims, 58 paid, $506,090 in total19831990: 13 claims, 13 paid, $115,617 in total19901994: 12 claims, 10 paid, $57,182 in total1998: 25 claims, 24 paid, $292,338 in total1999: 72 claims, 64 paid, $764,523 in total199920002001: 30 claims, 25 paid, $256,730 in total2003: 31 claims, 29 paid, $367,062 in total2004: 10 claims, 10 paid, $148,909 in total2005: 68 claims, 47 paid, $1,153,704 in total20052009: 15 claims, 13 paid, $263,402 in total20102014: 24 claims, 20 paid, $646,490 in total2016: 18 claims, 13 paid, $388,966 in total2017: 14 claims, 14 paid, $446,896 in total2018: 13 claims, 12 paid, $776,923 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 (14)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20181312$776,923$64,744
20171414$446,896$31,921
20161813$388,966$29,920
20142420$646,490$32,324
20091513$263,402$20,262
20056847$1,153,704$24,547
20041010$148,909$14,891
20033129$367,062$12,657
20013025$256,730$10,269
19997264$764,523$11,946
19982524$292,338$12,181
19941210$57,182$5,718
19901313$115,617$8,894
19836558$506,090$8,726

From 2016 to 2026: 45 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

Unincorporated Lamar County (164 home policies) · Hattiesburg (125 home policies) · Unincorporated Forrest County (14 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.