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Flood insurance cost · ZIP 39571 · MS

Flood insurance cost in ZIP 39571 (Pass Christian, MS)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,443 home policies in force on August 31, 2026.

ZIP code 39571 (Pass Christian, MS)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,337a year

Half of insured homes paid between $1,068 and $1,755. That is 6% more than the Harrison County median ($1,261). Most insured homes here are rated in zone AE (65%).

$0$1,068 · $1,337 · $1,755$2,194
+14.9% vs Aug 31, 2025 (median $1,164)
2,443home policies in force
$1,558average cost (mean)
81%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 39571

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		$1,458$1,170–$2,274$1,907383 (16%)+12.9%
Zone AE
High risk		$1,422$1,093–$1,799$1,6011,586 (65%)+13.2%
Zone AO
High risk, shallow		$1,799$1,728–$1,942$1,84015 (1%)+5.7%
Zone X
Moderate to low risk		$1,086$882–$1,267$1,104454 (19%)+8.5%

Not shown (fewer than 10 home policies): A, 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 39571, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,375$1,345$1,574
2–4 unit building20$1,764$1,686
Condo or apartment unit44$574$626
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$2,966$4,424
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		156$3,809$4,660

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

2,635NFIP policies in force, any building
2,844insured units (condo association policies count every unit)
82%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 39571

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 force2,5042,443−2.4%
Median annual cost$1,164$1,337+14.9%
Average annual cost$1,381$1,558+12.8%
All policies in force (any building)2,7022,635−2.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 39571 have filed 4,603 flood claims. 4,003 received a payment, for a total of $481.9 million (an average of $120,373 per paid claim). The year with the most claims was 2005 (2,861 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 11 claims1979: 33 claims, 29 paid, $71,896 in total1980: 33 claims, 26 paid, $52,644 in total19801982: 22 claims, 19 paid, $42,323 in total1983: 67 claims, 47 paid, $178,963 in total1985: 124 claims, 90 paid, $535,440 in total1988: 14 claims, 12 paid, $70,590 in total19901991: 15 claims, 11 paid, $45,999 in total1995: 31 claims, 21 paid, $297,439 in total1998: 264 claims, 163 paid, $1,378,570 in total20002001: 30 claims, 16 paid, $142,306 in total2002: 369 claims, 292 paid, $4,538,941 in total20022004: 14 claims2005: 2,861 claims, 2,792 paid, $469,178,701 in total20052008: 174 claims, 109 paid, $1,086,677 in total20102012: 158 claims, 63 paid, $743,327 in total2017: 13 claims, 10 paid, $70,894 in total2020: 269 claims, 222 paid, $1,495,465 in total202020202021: 20 claims, 17 paid, $1,019,206 in total
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 (19)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20212017$1,019,206$59,953
2020269222$1,495,465$6,736
20171310$70,894$7,089
201215863$743,327$11,799
2008174109$1,086,677$9,970
20052,8612,792$469,178,701$168,044
200414<10––
2002369292$4,538,941$15,544
20013016$142,306$8,894
1998264163$1,378,570$8,457
19953121$297,439$14,164
19911511$45,999$4,182
19881412$70,590$5,882
198512490$535,440$5,949
19836747$178,963$3,808
19822219$42,323$2,228
19803326$52,644$2,025
19793329$71,896$2,479
197811<10––

From 2016 to 2026: 302 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

Pass Christian (1,812 home policies) · Unincorporated Harrison County (608 home policies) · Unincorporated Hancock County (21 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.