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Flood insurance cost · ZIP 39530 · MS

Flood insurance cost in ZIP 39530 (Biloxi, MS)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 972 home policies in force on August 31, 2026.

ZIP code 39530 (Biloxi, MS)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,373a year

Half of insured homes paid between $1,087 and $1,732. That is 9% more than the Harrison County median ($1,261). Most insured homes here are rated in zone AE (78%).

$0$1,087 · $1,373 · $1,732$2,165
+12.9% vs Aug 31, 2025 (median $1,216)
972home policies in force
$1,467average cost (mean)
81%of insured homes in high-risk zones (A, V)
$203,500median 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 39530

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		$1,161$717–$1,564$1,25929 (3%)+12.7%
Zone AE
High risk		$1,450$1,152–$1,810$1,548758 (78%)+10.7%
Zone X
Moderate to low risk		$1,182$1,011–$1,266$1,169185 (19%)+12.3%

Not shown (fewer than 10 home policies): 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 39530, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home833$1,339$1,452
2–4 unit building108$1,514$1,739
Condo or apartment unit30$794$950
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.		19$4,536$4,451
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		197$4,280$5,771

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

1,188NFIP policies in force, any building
1,283insured units (condo association policies count every unit)
72%of home policies also cover contents
$63,000median contents coverage, when bought

One year on: ZIP code 39530

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 force1,030972−5.6%
Median annual cost$1,216$1,373+12.9%
Average annual cost$1,317$1,467+11.4%
All policies in force (any building)1,2541,188−5.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 39530 have filed 1,613 flood claims. 1,401 received a payment, for a total of $144.9 million (an average of $103,416 per paid claim). The year with the most claims was 2005 (1,026 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 18 claims, 13 paid, $92,184 in total1980: 41 claims, 30 paid, $50,717 in total19801983: 11 claims1985: 51 claims, 29 paid, $229,296 in total198519901993: 11 claims1995: 16 claims, 12 paid, $24,627 in total1996: 16 claims, 14 paid, $80,069 in total1998: 177 claims, 120 paid, $2,437,129 in total199820002001: 18 claims, 14 paid, $112,796 in total2002: 34 claims, 24 paid, $429,482 in total2005: 1,026 claims, 999 paid, $136,816,212 in total20052008: 17 claims, 12 paid, $387,606 in total2009: 31 claims, 28 paid, $445,531 in total20102012: 19 claims, 12 paid, $776,947 in total2020: 46 claims, 35 paid, $2,206,632 in total20202021: 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 (16)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202114<10––
20204635$2,206,632$63,047
20121912$776,947$64,746
20093128$445,531$15,912
20081712$387,606$32,300
20051,026999$136,816,212$136,953
20023424$429,482$17,895
20011814$112,796$8,057
1998177120$2,437,129$20,309
19961614$80,069$5,719
19951612$24,627$2,052
199311<10––
19855129$229,296$7,907
198311<10––
19804130$50,717$1,691
19791813$92,184$7,091

From 2016 to 2026: 60 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

Biloxi (971 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.