Menu

Flood insurance cost · ZIP 39532 · MS

Flood insurance cost in ZIP 39532 (Biloxi, MS)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,798 home policies in force on August 31, 2026.

ZIP code 39532 (Biloxi, MS)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,278a year

Half of insured homes paid between $1,081 and $1,779. That is about the same as the Harrison County median ($1,261). Most insured homes here are rated in zone AE (56%).

$0$1,081 · $1,278 · $1,779$2,224
+14.6% vs Aug 31, 2025 (median $1,115)
1,798home policies in force
$1,552average cost (mean)
66%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 39532

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		$1,720$1,253–$2,516$2,092171 (10%)+6.0%
Zone AE
High risk		$1,571$1,162–$1,967$1,7581,013 (56%)+13.0%
Zone A
High risk		$962$822–$1,099$99111 (1%)+5.0%
Zone X
Moderate to low risk		$1,134$908–$1,265$1,063603 (34%)+14.7%

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 39532, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,752$1,277$1,548
2–4 unit building19$2,779$2,883
Condo or apartment unit18$572$727
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.		41$2,239$5,383
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		75$2,119$3,236

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

1,914NFIP policies in force, any building
1,969insured units (condo association policies count every unit)
89%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 39532

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 force1,9361,798−7.1%
Median annual cost$1,115$1,278+14.6%
Average annual cost$1,395$1,552+11.3%
All policies in force (any building)2,0501,914−6.6%

Flood claims history

Since 1978, NFIP policyholders in ZIP 39532 have filed 2,428 flood claims. 2,041 received a payment, for a total of $180.7 million (an average of $88,514 per paid claim). The year with the most claims was 2005 (1,376 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 21 claims, 13 paid, $27,190 in total1980: 30 claims, 21 paid, $25,061 in total19801982: 10 claims, 10 paid, $13,533 in total1985: 28 claims, 17 paid, $51,279 in total1987: 23 claims, 18 paid, $223,778 in total19901993: 15 claims, 10 paid, $49,535 in total1995: 86 claims, 60 paid, $1,356,612 in total1998: 331 claims, 246 paid, $3,932,737 in total199820002001: 38 claims, 31 paid, $242,088 in total2002: 67 claims, 46 paid, $277,412 in total2005: 1,376 claims, 1,276 paid, $167,428,120 in total20052008: 17 claims, 10 paid, $58,131 in total2009: 50 claims, 42 paid, $1,233,041 in total20102012: 34 claims, 22 paid, $323,763 in total2016: 18 claims, 10 paid, $401,921 in total2017: 17 claims, 12 paid, $74,386 in total2020: 92 claims, 69 paid, $2,337,312 in total202020202021: 43 claims, 35 paid, $411,221 in total2026: 40 claims, 32 paid, $1,701,019 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 (19)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20264032$1,701,019$53,157
20214335$411,221$11,749
20209269$2,337,312$33,874
20171712$74,386$6,199
20161810$401,921$40,192
20123422$323,763$14,716
20095042$1,233,041$29,358
20081710$58,131$5,813
20051,3761,276$167,428,120$131,213
20026746$277,412$6,031
20013831$242,088$7,809
1998331246$3,932,737$15,987
19958660$1,356,612$22,610
19931510$49,535$4,954
19872318$223,778$12,432
19852817$51,279$3,016
19821010$13,533$1,353
19803021$25,061$1,193
19792113$27,190$2,092

From 2016 to 2026: 210 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 (1,135 home policies) · Unincorporated Jackson County (562 home policies) · Unincorporated Harrison County (95 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.