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Flood insurance cost · ZIP 39501 · MS

Flood insurance cost in ZIP 39501 (Gulfport, MS)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 751 home policies in force on August 31, 2026.

ZIP code 39501 (Gulfport, MS)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,246a year

Half of insured homes paid between $978 and $1,464. That is about the same as the Harrison County median ($1,261). The most common flood zone for insured homes here is zone AE (46%).

$0$978 · $1,246 · $1,464$1,830
+15.7% vs Aug 31, 2025 (median $1,077)
751home policies in force
$1,278average cost (mean)
54%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 39501

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 VE / V
High risk, coastal		$1,506$1,186–$1,677$1,53014 (2%)+8.0%
Zone AE
High risk		$1,307$978–$1,688$1,387347 (46%)+19.1%
Zone A
High risk		$1,197$907–$1,456$1,20443 (6%)+13.5%
Zone X
Moderate to low risk		$1,214$971–$1,300$1,168347 (46%)+16.5%

Not shown (fewer than 10 home policies): 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 39501, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home701$1,237$1,273
2–4 unit building30$1,590$1,526
Condo or apartment unit16$874$1,102
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.		25$5,227$4,966
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		171$2,751$4,101

Not shown (fewer than 10 policies): manufactured (mobile) home.

947NFIP policies in force, any building
981insured units (condo association policies count every unit)
88%of home policies also cover contents
$75,000median contents coverage, when bought

One year on: ZIP code 39501

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 force850751−11.6%
Median annual cost$1,077$1,246+15.7%
Average annual cost$1,124$1,278+13.7%
All policies in force (any building)1,054947−10.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 39501 have filed 1,874 flood claims. 1,570 received a payment, for a total of $118.9 million (an average of $75,711 per paid claim). The year with the most claims was 2005 (623 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 14 claims, 12 paid, $17,872 in total1979: 13 claims, 11 paid, $26,235 in total1980: 111 claims, 89 paid, $468,255 in total19801983: 17 claims, 14 paid, $92,937 in total1985: 102 claims, 79 paid, $436,030 in total19901991: 71 claims, 64 paid, $630,552 in total1992: 44 claims, 37 paid, $198,347 in total1993: 10 claims1995: 132 claims, 123 paid, $1,598,062 in total1998: 224 claims, 191 paid, $3,755,253 in total199820002001: 131 claims, 114 paid, $2,281,295 in total2002: 56 claims, 33 paid, $460,242 in total2005: 623 claims, 545 paid, $100,850,654 in total20052008: 11 claims2009: 21 claims, 17 paid, $217,630 in total20102012: 135 claims, 105 paid, $3,715,833 in total20122013: 50 claims, 47 paid, $2,182,165 in total2017: 18 claims, 17 paid, $488,423 in total2020: 16 claims2020
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
202016<10––
20171817$488,423$28,731
20135047$2,182,165$46,429
2012135105$3,715,833$35,389
20092117$217,630$12,802
200811<10––
2005623545$100,850,654$185,047
20025633$460,242$13,947
2001131114$2,281,295$20,011
1998224191$3,755,253$19,661
1995132123$1,598,062$12,992
199310<10––
19924437$198,347$5,361
19917164$630,552$9,852
198510279$436,030$5,519
19831714$92,937$6,638
198011189$468,255$5,261
19791311$26,235$2,385
19781412$17,872$1,489

From 2016 to 2026: 34 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

Gulfport (746 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.