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Flood insurance cost · ZIP 39564 · MS

Flood insurance cost in ZIP 39564 (unincorporated Jackson County, MS)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,880 home policies in force on August 31, 2026.

ZIP code 39564 (unincorporated Jackson County, MS)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,331a year

Half of insured homes paid between $1,147 and $1,703. That is 3% less than the Jackson County median ($1,375). Most insured homes here are rated in zone AE (55%).

$0$1,147 · $1,331 · $1,703$2,129
+16.7% vs Aug 31, 2025 (median $1,141)
3,880home policies in force
$1,510average cost (mean)
60%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 39564

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		$1,962$1,318–$2,780$2,304182 (5%)+14.4%
Zone AE
High risk		$1,571$1,277–$1,868$1,6612,129 (55%)+15.1%
Zone X
Moderate to low risk		$1,235$1,086–$1,309$1,2131,561 (40%)+14.8%

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 39564, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,778$1,332$1,528
2–4 unit building13$1,077$1,228
Condo or apartment unit84$678$775
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.		57$3,159$3,882
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		118$3,342$3,602

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

4,055NFIP policies in force, any building
4,451insured units (condo association policies count every unit)
91%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 39564

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 force4,2263,880−8.2%
Median annual cost$1,141$1,331+16.7%
Average annual cost$1,323$1,510+14.1%
All policies in force (any building)4,4054,055−7.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 39564 have filed 2,985 flood claims. 2,392 received a payment, for a total of $242.0 million (an average of $101,184 per paid claim). The year with the most claims was 2005 (1,687 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 45 claims, 25 paid, $29,986 in total1980: 53 claims, 46 paid, $89,104 in total19801983: 24 claims, 18 paid, $42,876 in total1985: 48 claims, 21 paid, $50,094 in total1990: 10 claims19901995: 10 claims1996: 13 claims1998: 414 claims, 259 paid, $3,850,605 in total199820002001: 20 claims2002: 86 claims, 58 paid, $781,773 in total2005: 1,687 claims, 1,533 paid, $230,568,746 in total20052008: 34 claims, 18 paid, $217,637 in total2009: 95 claims, 83 paid, $1,434,575 in total20102012: 79 claims, 62 paid, $979,290 in total2017: 87 claims, 55 paid, $1,018,025 in total2020: 144 claims, 113 paid, $1,833,053 in total202020202021: 31 claims, 23 paid, $431,440 in total2026: 11 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
202611<10––
20213123$431,440$18,758
2020144113$1,833,053$16,222
20178755$1,018,025$18,510
20127962$979,290$15,795
20099583$1,434,575$17,284
20083418$217,637$12,091
20051,6871,533$230,568,746$150,404
20028658$781,773$13,479
200120<10––
1998414259$3,850,605$14,867
199613<10––
199510<10––
199010<10––
19854821$50,094$2,385
19832418$42,876$2,382
19805346$89,104$1,937
19794525$29,986$1,199

From 2016 to 2026: 273 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

Unincorporated Jackson County (2,369 home policies) · Ocean Springs (1,500 home policies) · Gautier (10 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.