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Flood insurance cost · ZIP 39503 · MS

Flood insurance cost in ZIP 39503 (Gulfport, MS)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 891 home policies in force on August 31, 2026.

ZIP code 39503 (Gulfport, MS)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,116a year

Half of insured homes paid between $763 and $1,332. That is 11% less than the Harrison County median ($1,261). Most insured homes here are rated in zone X (59%).

$0$763 · $1,116 · $1,332$1,665
+14.1% vs Aug 31, 2025 (median $978)
891home policies in force
$1,250average cost (mean)
41%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 39503

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		$1,372$1,116–$1,909$1,692362 (41%)+10.3%
Zone X
Moderate to low risk		$870$670–$1,146$948529 (59%)+3.6%

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 39503, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home883$1,115$1,251
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		174$3,380$4,218

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).

1,066NFIP policies in force, any building
1,066insured units (condo association policies count every unit)
92%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 39503

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 force978891−8.9%
Median annual cost$978$1,116+14.1%
Average annual cost$1,115$1,250+12.1%
All policies in force (any building)1,1561,066−7.8%

Flood claims history

Since 1978, NFIP policyholders in ZIP 39503 have filed 1,218 flood claims. 936 received a payment, for a total of $42.6 million (an average of $45,519 per paid claim). The year with the most claims was 2005 (350 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001980: 17 claims, 16 paid, $59,603 in total19801983: 13 claims, 12 paid, $19,847 in total1985: 27 claims, 23 paid, $80,349 in total19901991: 57 claims, 48 paid, $841,259 in total1993: 81 claims, 78 paid, $1,649,085 in total1994: 35 claims, 32 paid, $407,280 in total1995: 112 claims, 104 paid, $2,649,279 in total19951998: 87 claims, 63 paid, $896,615 in total20002001: 80 claims, 64 paid, $1,361,590 in total2002: 30 claims, 22 paid, $262,814 in total2005: 350 claims, 218 paid, $26,611,369 in total20052009: 13 claims, 12 paid, $238,873 in total20102012: 67 claims, 47 paid, $1,535,102 in total2016: 96 claims, 86 paid, $3,434,710 in total20162018: 26 claims, 24 paid, $881,535 in total20202021: 10 claims2026: 21 claims, 16 paid, $978,311 in total
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 (17)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20262116$978,311$61,144
202110<10––
20182624$881,535$36,731
20169686$3,434,710$39,938
20126747$1,535,102$32,662
20091312$238,873$19,906
2005350218$26,611,369$122,070
20023022$262,814$11,946
20018064$1,361,590$21,275
19988763$896,615$14,232
1995112104$2,649,279$25,474
19943532$407,280$12,728
19938178$1,649,085$21,142
19915748$841,259$17,526
19852723$80,349$3,493
19831312$19,847$1,654
19801716$59,603$3,725

From 2016 to 2026: 153 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 (702 home policies) · Unincorporated Harrison County (189 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.