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Flood insurance cost · ZIP 39507 · MS

Flood insurance cost in ZIP 39507 (Gulfport, MS)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,268 home policies in force on August 31, 2026.

ZIP code 39507 (Gulfport, MS)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,303a year

Half of insured homes paid between $1,141 and $1,816. That is 3% more than the Harrison County median ($1,261). Most insured homes here are rated in zone AE (53%).

$0$1,141 · $1,303 · $1,816$2,270
+16.8% vs Aug 31, 2025 (median $1,116)
1,268home policies in force
$1,656average cost (mean)
60%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 39507

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		$1,520$1,137–$2,078$1,64738 (3%)+0.1%
Zone AE
High risk		$1,682$1,310–$2,178$2,054672 (53%)+13.0%
Zone A
High risk		$1,264$1,022–$1,512$1,32248 (4%)+4.3%
Zone X
Moderate to low risk		$1,190$1,010–$1,290$1,164510 (40%)+15.2%

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 39507, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,166$1,333$1,710
2–4 unit building40$1,136$1,420
Condo or apartment unit62$718$794
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.		73$2,324$2,690
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		112$3,482$3,971

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

1,453NFIP policies in force, any building
1,881insured units (condo association policies count every unit)
88%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 39507

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 force1,3701,268−7.4%
Median annual cost$1,116$1,303+16.8%
Average annual cost$1,445$1,656+14.6%
All policies in force (any building)1,5571,453−6.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 39507 have filed 1,575 flood claims. 1,346 received a payment, for a total of $148.4 million (an average of $110,254 per paid claim). The year with the most claims was 2005 (867 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k1979: 18 claims, 14 paid, $105,218 in total1980: 41 claims, 27 paid, $132,652 in total19801985: 25 claims, 18 paid, $270,324 in total19901991: 13 claims, 10 paid, $39,006 in total1994: 12 claims, 10 paid, $88,349 in total1995: 30 claims, 27 paid, $209,336 in total1998: 194 claims, 139 paid, $2,340,691 in total199820002001: 34 claims, 27 paid, $302,963 in total2002: 51 claims, 41 paid, $532,808 in total20022005: 867 claims, 816 paid, $140,639,142 in total20052008: 39 claims, 29 paid, $366,766 in total2009: 16 claims, 15 paid, $391,931 in total20102012: 48 claims, 31 paid, $287,022 in total2013: 26 claims, 23 paid, $561,786 in total2017: 19 claims, 17 paid, $302,274 in total2020: 27 claims, 17 paid, $424,753 in total20202021: 13 claims, 11 paid, $86,621 in total2026: 17 claims, 16 paid, $904,109 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 (18)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20261716$904,109$56,507
20211311$86,621$7,875
20202717$424,753$24,985
20171917$302,274$17,781
20132623$561,786$24,425
20124831$287,022$9,259
20091615$391,931$26,129
20083929$366,766$12,647
2005867816$140,639,142$172,352
20025141$532,808$12,995
20013427$302,963$11,221
1998194139$2,340,691$16,840
19953027$209,336$7,753
19941210$88,349$8,835
19911310$39,006$3,901
19852518$270,324$15,018
19804127$132,652$4,913
19791814$105,218$7,516

From 2016 to 2026: 76 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 (1,267 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.