Flood insurance in Mississippi: cost by ZIP code and county
Mississippi counts 38,273 single-family flood policies; the median bill was $1,233 on July 31, 2026, and most of them are in its three coastal counties.
Median single-family flood bill, Mississippi
$1,233
38,273 policies in force on July 31, 2026, premium and fees included.
| Median full-risk price, same policies | $1,772 |
| Policies still below their full-risk price | 63 % |
| Median paid in August 2023 | $801 |
| Increase left from the median | 3 renewals at 18 % |
| Next five bills, added up | $8,447 |
| Median claim paid, 2016 to 2025 (3,589 claims) | $13,635 |
Compiled by Radif Partners · Where the numbers come from · 208 ZIP codes and 76 counties of Mississippi in FEMA's tables · not a quote
On July 31, 2026, a Mississippi single-family flood policy had a median yearly cost of $1,233, premium plus the Reserve Fund Assessment, HFIAA surcharge and Federal Policy Fee, across 38,273 policies. The full-risk median of those same homes is $1,772, and 63 % still pay less than that, one of the larger capped shares in the country. Three coastal counties drive it. Jackson, Harrison and Hancock hold 26,385 policies, about 69 % of the state. In Jackson County, 80 % of policies are capped, with a median bill of $1,365 against $2,392 at full risk; a main home at those medians faces 4 more yearly increases at 18 %. Claims point the other way: from 2016 to 2025, the median paid claim in X zones, $21,362, was higher than in A zones.
The coast pays, and will pay more
Jackson County, around Pascagoula and Ocean Springs, is the state's largest flood market, with 10,058 single-family policies, and it is also where FEMA's 2023 tables put the largest county gap between the bill and the full-risk price. Harrison County, home to Gulfport and Biloxi, follows with 9,831 policies at a median $1,251. Hancock County, on the Louisiana line, is smaller but just as far from full price: 71 % of its policies remain capped.
FEMA rated 66 % of Mississippi's 2023 single-family policies as exposed to storm surge. The V zone median full-risk price, $3,091, is about double the $1,534 those 1,706 policies pay now.
Increases left for a Jackson County home at the county medians
Renewals before your bill reaches the full-risk price
4 renewals
| Renewal 1 (capped) | $1,598 |
| Renewal 2 (capped) | $1,872 |
| Renewal 3 (capped) | $2,196 |
| Renewal 4 | $2,392 |
Inland Mississippi: fewer policies, larger claims
Away from the coast, policies are few and bills are lower. Hinds County, which contains Jackson the capital city, has 2,070 policies at a median of $1,283; Rankin County across the Pearl River is at $881, already close to its full-risk median. Yet inland claims are larger. Hinds County's median paid claim was $23,800 and Rankin's $31,570, both well above Harrison's $6,849.
Low-risk zones are not at full price either
In many states, X zone bills already match their full-risk price. Mississippi is an exception. Its 11,266 X zone policies pay a median $1,084, while the full-risk median of the same homes is $1,352. A zones show a wider gap, $1,333 against $1,999. So increases are not confined to V zones: a home rated A or X can still be on the capped path. The yearly notice and the declarations page show both figures for a given policy.
No single catastrophe in the recent file
Hurricane Katrina struck in 2005, according to the National Hurricane Center report, before the ten-year claims record that starts in 2016. The program paid 3,589 single-family claims in the state over those years, $103,044,407 in total. Hurricane Zeta in 2020 produced the most claims, 581, but late winter storms of 2016 paid the most money. Of all claims, 1,073 came from X zone homes, where a lender does not require cover. The average claim guide puts these sums in national context.
The Mississippi counties with the most policies
| County | Policies | Median bill | Full-risk median | Still below full risk | Renewals left at 18 % | Median bill, August 2023 | Median claim 2016-2025 |
|---|---|---|---|---|---|---|---|
| Jackson County | 10,058 | $1,365 | $2,392 | 80 % | 4 | $880 | $11,331 |
| Harrison County | 9,831 | $1,251 | $1,995 | 69 % | 3 | $799 | $6,849 |
| Hancock County | 6,496 | $1,311 | $2,134 | 71 % | 4 | $911 | $4,944 |
| Hinds County | 2,070 | $1,283 | $1,785 | 52 % | 3 | $977 | $23,800 |
| Washington County | 1,157 | $891 | $932 | 35 % | 1 | $763 | $14,782 |
| Rankin County | 1,103 | $881 | $930 | 35 % | 1 | $742 | $31,570 |
| Madison County | 626 | $886 | $932 | 33 % | 1 | $697 | $22,660 |
| Pearl River County | 610 | $952 | $1,047 | 44 % | 1 | $730 | $20,946 |
Full-risk prices of Mississippi homes, band by band
| Full risk-based price a year | Policies | Share | Median rebuild value |
|---|---|---|---|
| $0 to $1,000 | 11,005 | 23.9 % | $329,192 |
| $1,000 to $2,000 | 17,270 | 37.6 % | $361,210 |
| $2,000 to $3,000 | 7,878 | 17.1 % | $383,590 |
| $3,000 to $4,000 | 3,810 | 8.3 % | $419,358 |
| $4,000 to $5,000 | 2,184 | 4.8 % | $430,553 |
| $5,000 or more | 3,814 | 8.3 % |
The floods that paid the most Mississippi claims since 2016
| Event (FEMA name) | Year | Paid claims | Paid in total |
|---|---|---|---|
| Late winter severe storms | 2016 | 376 | $11,569,443 |
| Hurricane Ida | 2021 | 294 | $7,720,063 |
| Hurricane Zeta | 2020 | 581 | $7,693,866 |