Mississippi
flood insurance data
- Mississippi counts 51 flood, hurricane and severe-storm declarations (DR and EM) since 2000, the 2nd most of 53 States and territories. Severe Storm declarations are the most frequent (30), ahead of Hurricane (18) and Flood (3).
- The median paid claim, $13,616, is 63.4% below the national median of the same years ($37,248), the 23rd lowest of 51 States and territories.
- Residential NFIP policies counted by FEMA fell 23.2% between 2019 (55,609) and 2025 (42,724); the first year, 2019, has the highest count of the 7.
- Of the 347,722 owner registrations FEMA inspected in Mississippi after disasters of every declared type, 4.3% show more than $30,000 of FEMA-inspected damage, against 2.6% nationally. The disaster with the most inspections is DR-1604, HURRICANE KATRINA (declared 2005-08-29), with 233,851.
Source: FEMA, OpenFEMA NfipPolicies (v3, data as of 2026-09-09, retrieved 2026-10-11 and 2026-10-12), NfipClaims (v3, data as of 2026-09-09, retrieved 2026-10-12), DisasterDeclarationsSummaries (v2, data as of 2026-10-11, retrieved 2026-10-12), HousingAssistanceOwners (v2, data as of 2026-10-11, retrieved 2026-10-12), NfipCommunityStatusBook (v1, data as of 2026-10-11, retrieved 2026-10-12); CPI-U, U.S. city average, all items (CUUR0000SA0), annual average (BLS Public Data API v1, annual averages 2005-2025, retrieved 2026-10-12). Not an official federal report.
NFIP premiums in Mississippi
NFIP premiums: what NFIP policyholders paid, not a quote. Across 42,724 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $1,114, and half of them fall between $905 (Q1) and $1,487 (Q3).
Of the 5 zones listed (AE, X, A, VE, AH), zone VE has the highest median premium ($1,471) and zone AH the lowest ($922). Coastal high-hazard zone VE is listed, with 1,737 policies. With 42,724 residential NFIP policies effective 2025, Mississippi has the 11th most of 53 States and territories. Inside the Special Flood Hazard Area (SFHA), the median premium in Mississippi is $1,273, 20.7% higher than outside it ($1,055); most of its zoned policies sit inside the SFHA (69.9%). The median NFIP premium in Mississippi, $1,114, is 5.6% above the national median ($1,055); it is the 15th highest of 53 States and territories.
| Flood zone group | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| SFHA (A, AE, AH, AO, AR, A99, V, VE) | 29,857 | $947 | $1,273 | $1,594 |
| Outside SFHA (X, B, C) | 12,867 | $832 | $1,055 | $1,087 |
By flood zone
| Flood zone | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| AE | 25,976 | $962 | $1,287 | $1,593 |
| X | 12,867 | $832 | $1,055 | $1,087 |
| A | 1,850 | $699 | $925 | $1,234 |
| VE | 1,737 | $1,151 | $1,471 | $2,230 |
| AH | 257 | $758 | $922 | $1,455 |
Policies in force by year
| Year | Policies |
|---|---|
| 2019 | 55,609 |
| 2020 | 55,416 |
| 2021 | 54,692 |
| 2022 | 50,983 |
| 2023 | 47,675 |
| 2024 | 45,574 |
| 2025 | 42,724 |
Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 42,724 policies.
NFIP paid building claims in Mississippi
NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 4,127 paid claims; median $13,616, half of them between $4,183 (Q1) and $36,913 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $16,515, a monetary adjustment, not today’s cost of repair.
With 4,127 paid claims (year of loss 2015-2024), Mississippi has the 14th most of 53 States and territories. The paid claims are spread over the years (year of loss 2015-2024): the busiest, 2020, holds 25.8% of them. Named events weigh little on the paid claims in Mississippi: the largest, Hurricane Zeta, accounts for 15.5% of them.
| Event | Paid claims | Share |
|---|---|---|
| Hurricane Zeta | 638 | 15.5% |
| Late winter severe storms | 425 | 10.3% |
| Hurricane Ida | 325 | 7.9% |
| Tropical Storm Claudette | 90 | 2.2% |
| Hurricane Francine | 10 | 0.2% |
Paid claims by year of loss
| Year of loss | Paid claims |
|---|---|
| 2015 | 125 |
| 2016 | 674 |
| 2017 | 531 |
| 2018 | 304 |
| 2019 | 501 |
| 2020 | 1,064 |
| 2021 | 668 |
| 2022 | 137 |
| 2023 | 47 |
| 2024 | 76 |
FEMA disaster declarations
Since 2000: 51 flood, hurricane and severe-storm declarations (DR and EM) covering Mississippi, 41 of them major disaster declarations.
| Incident type | Declarations |
|---|---|
| Flood | 3 |
| Hurricane | 18 |
| Severe Storm | 30 |
Latest declarations
- DR-4922: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING (Severe Storm, 2026-06-30)
- DR-4874: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING (Severe Storm, 2025-05-21)
- DR-4790: SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING (Severe Storm, 2024-06-10)
- DR-4727: SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADOES. (Severe Storm, 2023-08-12)
- DR-4697: SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADOES (Severe Storm, 2023-03-26)
FEMA assistance to homeowners
Since 2002: 347,722 owner registrations inspected by FEMA in Mississippi after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.
| Damage band | Registrations |
|---|---|
| No FEMA-inspected damage | 68,478 |
| $1-$10,000 | 236,405 |
| $10,001-$20,000 | 19,812 |
| $20,001-$30,000 | 8,019 |
| More than $30,000 | 15,008 |
Disasters with the most inspections
- DR-1604, HURRICANE KATRINA (declared 2005-08-29): 233,851 inspections
- DR-4899, SEVERE WINTER STORM (declared 2026-02-06): 34,793 inspections
- DR-4081, HURRICANE ISAAC (declared 2012-08-29): 12,935 inspections
- DR-1459, SEVERE STORMS, TORNADOES, FLOODS (declared 2003-04-24): 7,950 inspections
- DR-4790, SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING (declared 2024-06-10): 7,348 inspections
NFIP communities and flood maps
FEMA’s Community Status Book lists 368 NFIP communities in Mississippi: 335 participate in the NFIP and 33 (9.0%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 6 (Biloxi, City of and Harrison County *): FEMA applies its CRS discount to the full-risk premium of Regular Program NFIP policies in those communities, inside or outside the SFHA, not to the whole state; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Mississippi dates from 2007-09-05 (Kemper County*). 33 of these communities do not participate in the NFIP; 33 carry a sanction, 0 coded as a suspension and 1 as a withdrawal.
| CRS class | Communities |
|---|---|
| 6 | 2 |
| 7 | 4 |
| 8 | 13 |
| 9 | 9 |
| 10 | 5 |
Questions about flood insurance in Mississippi
How much is flood insurance in Mississippi?
NFIP policyholders in Mississippi paid a median of $1,114 for residential policies effective 2025 (42,724 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $905 and $1,487; $1,273 inside the Special Flood Hazard Area against $1,055 outside it: what NFIP policyholders paid, not a quote.
How many flood insurance claims has Mississippi had?
4,127 NFIP building claims were paid (year of loss 2015-2024), with a median of $13,616; the year with the most was 2020 (1,064), and the named event with the most was Hurricane Zeta (638). These are amounts paid, not repair cost.
Is Mississippi in a flood zone?
Of the residential NFIP policies of Mississippi (policies effective 2025), 29,857 are rated inside the Special Flood Hazard Area and 12,867 outside it (zones listed: AE, X, A, VE, AH), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.
Counties of Mississippi
Named storms with paid claims in Mississippi
Related tools
NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.
To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.
Before using these figures
A state figure mixes very different counties and flood zones. Method and limits.
Source and notice
- Owners assistance: county names not matched to a FIPS code (counted in the State total only): Mississippi Choctaw Indian Reservation (no match, 883 inspected)
This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).