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Flood insurance cost · ZIP 39563 · MS

Flood insurance cost in ZIP 39563 (Moss Point, MS)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 586 home policies in force on August 31, 2026.

ZIP code 39563 (Moss Point, MS)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,266a year

Half of insured homes paid between $1,083 and $1,668. That is 8% less than the Jackson County median ($1,375). Most insured homes here are rated in zone AE (53%).

$0$1,083 · $1,266 · $1,668$2,085
+17.0% vs Aug 31, 2025 (median $1,082)
586home policies in force
$1,436average cost (mean)
54%of insured homes in high-risk zones (A, V)
$196,000median 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 39563

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 AE
High risk		$1,594$1,302–$1,870$1,720311 (53%)+15.7%
Zone X
Moderate to low risk		$1,122$954–$1,261$1,107270 (46%)+20.4%

Not shown (fewer than 10 home policies): VE, 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 39563, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home582$1,266$1,438
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		88$3,644$4,837

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit, whole residential building (5+ units or condo association).

676NFIP policies in force, any building
676insured units (condo association policies count every unit)
89%of home policies also cover contents
$71,000median contents coverage, when bought

One year on: ZIP code 39563

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 force680586−13.8%
Median annual cost$1,082$1,266+17.0%
Average annual cost$1,245$1,436+15.3%
All policies in force (any building)776676−12.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 39563 have filed 1,332 flood claims. 1,145 received a payment, for a total of $38.5 million (an average of $33,611 per paid claim). The year with the most claims was 2005 (328 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 20 claims, 16 paid, $34,683 in total1980: 27 claims, 24 paid, $72,705 in total19801981: 28 claims, 23 paid, $48,486 in total1983: 31 claims, 25 paid, $225,707 in total1985: 16 claims19901998: 174 claims, 145 paid, $1,879,027 in total199820002002: 17 claims, 14 paid, $178,557 in total2005: 328 claims, 308 paid, $24,361,180 in total20052008: 16 claims, 14 paid, $219,394 in total2009: 12 claims, 10 paid, $111,166 in total20102011: 22 claims, 17 paid, $295,214 in total2012: 261 claims, 223 paid, $4,159,612 in total20122013: 124 claims, 114 paid, $2,868,064 in total2015: 26 claims, 23 paid, $254,139 in total2017: 38 claims, 31 paid, $902,292 in total2020: 15 claims20202021: 97 claims, 87 paid, $2,251,887 in total2023: 13 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 (18)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202313<10––
20219787$2,251,887$25,884
202015<10––
20173831$902,292$29,106
20152623$254,139$11,050
2013124114$2,868,064$25,158
2012261223$4,159,612$18,653
20112217$295,214$17,366
20091210$111,166$11,117
20081614$219,394$15,671
2005328308$24,361,180$79,095
20021714$178,557$12,754
1998174145$1,879,027$12,959
198516<10––
19833125$225,707$9,028
19812823$48,486$2,108
19802724$72,705$3,029
19792016$34,683$2,168

From 2016 to 2026: 163 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

Moss Point (571 home policies) · Unincorporated Jackson County (13 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.