Flood insurance cost · ZIP 39567 · MS

Flood insurance cost in ZIP 39567 (Pascagoula, MS)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,768 home policies in force on August 31, 2026.

ZIP code 39567 (Pascagoula, MS)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,468a year

Half of insured homes paid between $1,216 and $1,724. That is 7% more than the Jackson County median ($1,375). Most insured homes here are rated in zone AE (95%).

$0$1,216 · $1,468 · $1,724$2,155

+13.7% vs Aug 31, 2025 (median $1,291)

1,768home policies in force

$1,525average cost (mean)

96%of insured homes in high-risk zones (A, V)

$200,000median 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 39567

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	$1,750	$1,450–$3,033	$2,436	23 (1%)	+15.3%
Zone AE High risk	$1,479	$1,226–$1,725	$1,529	1,674 (95%)	+14.1%
Zone X Moderate to low risk	$1,185	$1,069–$1,266	$1,139	71 (4%)	+19.5%

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 39567, by what they insure.

Type of building	Policies	Median	Average
Single-family home	1,750	$1,469	$1,526
2–4 unit building	17	$1,458	$1,538
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.	36	$2,348	$2,724
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	236	$3,337	$4,554

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

2,040NFIP policies in force, any building

2,040insured units (condo association policies count every unit)

87%of home policies also cover contents

$63,000median contents coverage, when bought

One year on: ZIP code 39567

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	1,861	1,768	−5.0%
Median annual cost	$1,291	$1,468	+13.7%
Average annual cost	$1,349	$1,525	+13.0%
All policies in force (any building)	2,167	2,040	−5.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 39567 have filed 1,821 flood claims. 1,626 received a payment, for a total of $138.8 million (an average of $85,366 per paid claim). The year with the most claims was 2005 (937 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 (16)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2021	16	12	$735,946	$61,329
2020	15	13	$274,173	$21,090
2017	23	12	$522,374	$43,531
2015	17	12	$250,468	$20,872
2013	12	11	$264,225	$24,020
2012	84	59	$1,037,896	$17,591
2005	937	913	$125,932,557	$137,933
2002	22	17	$311,841	$18,344
1998	447	406	$8,691,834	$21,408
1997	10	<10	–	–
1995	12	<10	–	–
1985	24	15	$75,318	$5,021
1983	15	12	$54,670	$4,556
1981	37	33	$59,793	$1,812
1980	16	12	$12,559	$1,047
1979	60	46	$225,347	$4,899

From 2016 to 2026: 54 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

Pascagoula (1,767 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.