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Flood insurance cost · ZIP 39553 · MS

Flood insurance cost in ZIP 39553 (Gautier, MS)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,136 home policies in force on August 31, 2026.

ZIP code 39553 (Gautier, MS)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,267a year

Half of insured homes paid between $1,088 and $1,659. That is 8% less than the Jackson County median ($1,375). Most insured homes here are rated in zone AE (61%).

$0$1,088 · $1,267 · $1,659$2,074
+16.7% vs Aug 31, 2025 (median $1,086)
1,136home policies in force
$1,529average cost (mean)
63%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 39553

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		$1,348$1,176–$1,802$1,66332 (3%)+14.2%
Zone AE
High risk		$1,493$1,172–$1,805$1,733689 (61%)+15.1%
Zone X
Moderate to low risk		$1,189$1,056–$1,266$1,178415 (37%)+16.5%

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 39553, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,107$1,267$1,542
2–4 unit building16$1,090$1,255
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.		33$2,092$3,132
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		89$3,535$3,813

Not shown (fewer than 10 policies): manufactured (mobile) home, condo or apartment unit.

1,258NFIP policies in force, any building
1,344insured units (condo association policies count every unit)
91%of home policies also cover contents
$84,000median contents coverage, when bought

One year on: ZIP code 39553

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 force1,2521,136−9.3%
Median annual cost$1,086$1,267+16.7%
Average annual cost$1,319$1,529+15.9%
All policies in force (any building)1,3651,258−7.8%

Flood claims history

Since 1978, NFIP policyholders in ZIP 39553 have filed 1,264 flood claims. 1,054 received a payment, for a total of $76.8 million (an average of $72,871 per paid claim). The year with the most claims was 2005 (688 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 28 claims, 16 paid, $92,116 in total1980: 21 claims, 15 paid, $20,593 in total19801981: 10 claims1985: 16 claims19901998: 276 claims, 210 paid, $3,350,264 in total199820002002: 37 claims, 29 paid, $203,933 in total20022005: 688 claims, 633 paid, $71,108,936 in total20052008: 12 claims2009: 12 claims, 12 paid, $172,311 in total20102012: 29 claims, 18 paid, $96,521 in total2013: 13 claims, 10 paid, $220,376 in total2017: 32 claims, 26 paid, $738,240 in total2020: 17 claims, 13 paid, $189,609 in total2020
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 (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20201713$189,609$14,585
20173226$738,240$28,394
20131310$220,376$22,038
20122918$96,521$5,362
20091212$172,311$14,359
200812<10––
2005688633$71,108,936$112,336
20023729$203,933$7,032
1998276210$3,350,264$15,954
198516<10––
198110<10––
19802115$20,593$1,373
19792816$92,116$5,757

From 2016 to 2026: 49 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

Gautier (1,000 home policies) · Unincorporated Jackson County (136 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.