Flood insurance cost · ZIP 39560 · MS

Flood insurance cost in ZIP 39560 (Long Beach, MS)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,266 home policies in force on August 31, 2026.

ZIP code 39560 (Long Beach, MS)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,192a year

Half of insured homes paid between $964 and $1,414. That is 5% less than the Harrison County median ($1,261). Most insured homes here are rated in zone X (51%).

$0$964 · $1,192 · $1,414$1,768

+12.9% vs Aug 31, 2025 (median $1,056)

1,266home policies in force

$1,237average cost (mean)

49%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 39560

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone VE / V High risk, coastal	$1,325	$1,120–$1,681	$1,466	124 (10%)	+8.1%
Zone AE High risk	$1,364	$1,076–$1,730	$1,407	484 (38%)	+7.1%
Zone A High risk	$1,026	$929–$1,074	$1,011	14 (1%)	+3.0%
Zone X Moderate to low risk	$1,083	$884–$1,251	$1,071	644 (51%)	+14.8%

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 39560, by what they insure.

Type of building	Policies	Median	Average
Single-family home	1,214	$1,200	$1,251
2–4 unit building	20	$1,368	$1,367
Condo or apartment unit	28	$588	$629
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.	75	$2,914	$3,639
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	85	$2,177	$2,759

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

1,426NFIP policies in force, any building

1,490insured units (condo association policies count every unit)

90%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: ZIP code 39560

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, 2025	Aug 31, 2026	Change
Home policies in force	1,389	1,266	−8.9%
Median annual cost	$1,056	$1,192	+12.9%
Average annual cost	$1,119	$1,237	+10.5%
All policies in force (any building)	1,553	1,426	−8.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 39560 have filed 2,086 flood claims. 1,678 received a payment, for a total of $158.0 million (an average of $94,159 per paid claim). The year with the most claims was 2005 (1,094 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 loss	Claims	Paid claims	Total paid	Average per paid claim
2020	37	12	$103,195	$8,600
2017	30	27	$901,025	$33,371
2012	60	47	$853,230	$18,154
2009	27	27	$462,452	$17,128
2008	16	<10	–	–
2005	1,094	920	$146,148,700	$158,857
2002	17	14	$62,017	$4,430
2001	137	123	$1,706,584	$13,875
1998	197	147	$2,088,623	$14,208
1997	28	25	$295,957	$11,838
1995	93	88	$1,699,632	$19,314
1991	74	69	$1,563,290	$22,656
1985	47	<10	–	–
1983	51	44	$479,937	$10,908
1982	11	10	$34,207	$3,421
1980	63	51	$341,160	$6,689
1979	10	<10	–	–

From 2016 to 2026: 67 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

Long Beach (1,182 home policies) · Unincorporated Harrison County (84 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.