Menu

Flood insurance cost · ZIP 39576 · MS

Flood insurance cost in ZIP 39576 (Waveland, MS)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,384 home policies in force on August 31, 2026.

ZIP code 39576 (Waveland, MS)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,390a year

Half of insured homes paid between $1,129 and $1,704. That is 3% more than the Hancock County median ($1,348). Most insured homes here are rated in zone AE (66%).

$0$1,129 · $1,390 · $1,704$2,130
+11.7% vs Aug 31, 2025 (median $1,244)
1,384home policies in force
$1,464average cost (mean)
76%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 39576

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		$1,443$1,189–$2,066$1,674134 (10%)+9.5%
Zone AE
High risk		$1,518$1,198–$1,776$1,528916 (66%)+11.7%
Zone X
Moderate to low risk		$1,230$1,083–$1,315$1,205334 (24%)+16.4%

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 39576, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,267$1,372$1,454
2–4 unit building113$1,485$1,622
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.		17$4,959$4,176
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		122$3,292$3,941

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

1,523NFIP policies in force, any building
1,523insured units (condo association policies count every unit)
89%of home policies also cover contents
$94,000median contents coverage, when bought

One year on: ZIP code 39576

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 force1,4731,384−6.0%
Median annual cost$1,244$1,390+11.7%
Average annual cost$1,309$1,464+11.8%
All policies in force (any building)1,6251,523−6.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 39576 have filed 1,593 flood claims. 1,458 received a payment, for a total of $191.7 million (an average of $131,501 per paid claim). The year with the most claims was 2005 (1,254 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1980: 12 claims19801982: 19 claims, 18 paid, $22,019 in total1983: 17 claims, 13 paid, $27,925 in total1985: 10 claims19901991: 15 claims, 13 paid, $35,421 in total1995: 24 claims, 14 paid, $88,667 in total1998: 36 claims, 18 paid, $60,654 in total20002001: 27 claims, 22 paid, $148,406 in total2002: 38 claims, 24 paid, $130,603 in total20022005: 1,254 claims, 1,236 paid, $189,848,237 in total20052008: 19 claims, 11 paid, $147,855 in total20102012: 37 claims, 13 paid, $326,867 in total201220202021: 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 (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202113<10––
20123713$326,867$25,144
20081911$147,855$13,441
20051,2541,236$189,848,237$153,599
20023824$130,603$5,442
20012722$148,406$6,746
19983618$60,654$3,370
19952414$88,667$6,333
19911513$35,421$2,725
198510<10––
19831713$27,925$2,148
19821918$22,019$1,223
198012<10––

From 2016 to 2026: 13 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

Waveland (1,371 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.