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Flood insurance cost · ZIP 39581 · MS

Flood insurance cost in ZIP 39581 (Pascagoula, MS)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,588 home policies in force on August 31, 2026.

ZIP code 39581 (Pascagoula, MS)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,537a year

Half of insured homes paid between $1,300 and $1,756. That is 12% more than the Jackson County median ($1,375). Most insured homes here are rated in zone AE (98%).

$0$1,300 · $1,537 · $1,756$2,195
+13.9% vs Aug 31, 2025 (median $1,350)
1,588home policies in force
$1,588average cost (mean)
98%of insured homes in high-risk zones (A, V)
$163,000median 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 39581

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		$1,538$1,321–$1,761$1,5951,552 (98%)+13.9%
Zone X
Moderate to low risk		$1,181$1,047–$1,276$1,15629 (2%)+19.3%

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 39581, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,490$1,523$1,595
2–4 unit building72$1,540$1,713
Condo or apartment unit25$832$856
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.		43$2,230$2,734
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		99$3,246$4,148

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

1,730NFIP policies in force, any building
1,796insured units (condo association policies count every unit)
81%of home policies also cover contents
$60,000median contents coverage, when bought

One year on: ZIP code 39581

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 force1,6791,588−5.4%
Median annual cost$1,350$1,537+13.9%
Average annual cost$1,420$1,588+11.8%
All policies in force (any building)1,8591,730−6.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 39581 have filed 1,553 flood claims. 1,341 received a payment, for a total of $89.4 million (an average of $66,657 per paid claim). The year with the most claims was 2005 (694 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 76 claims, 63 paid, $205,221 in total1980: 32 claims, 25 paid, $96,757 in total19801981: 35 claims, 29 paid, $80,877 in total1983: 26 claims, 21 paid, $99,556 in total1985: 29 claims, 15 paid, $80,439 in total19901998: 302 claims, 256 paid, $7,170,176 in total199820002002: 10 claims2005: 694 claims, 677 paid, $76,828,166 in total200520102012: 145 claims, 100 paid, $2,206,912 in total20122013: 30 claims, 26 paid, $615,616 in total2015: 18 claims, 14 paid, $304,359 in total2017: 23 claims, 19 paid, $443,899 in total2020: 20 claims, 17 paid, $183,991 in total20202021: 31 claims, 28 paid, $689,314 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 (14)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20213128$689,314$24,618
20202017$183,991$10,823
20172319$443,899$23,363
20151814$304,359$21,740
20133026$615,616$23,678
2012145100$2,206,912$22,069
2005694677$76,828,166$113,483
200210<10––
1998302256$7,170,176$28,008
19852915$80,439$5,363
19832621$99,556$4,741
19813529$80,877$2,789
19803225$96,757$3,870
19797663$205,221$3,257

From 2016 to 2026: 74 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 (1,587 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.