Harrison County, Mississippi
flood insurance data
- The median paid claim, $7,139, is 47.6% below the Mississippi median ($13,616) and 80.8% below the national median of the same years ($37,248), the 18th lowest of 339 counties with all four FEMA sources.
- Of the 45,364 owner registrations FEMA inspected in Harrison County after disasters of every declared type, 11.2% show more than $30,000 of FEMA-inspected damage, against 4.3% across Mississippi and 2.6% nationally. The disaster with the most inspections is DR-1604, HURRICANE KATRINA (declared 2005-08-29), with 37,665.
- With 732 paid claims (year of loss 2015-2024), Harrison County has the 91st most of 339 counties with all four FEMA sources, and the most of 9 Mississippi counties of that list.
- With 10,912 residential NFIP policies effective 2025, Harrison County has the 54th most of 339 counties with all four FEMA sources, and the most of 9 Mississippi counties of that list.
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 Harrison County
NFIP premiums: what NFIP policyholders paid, not a quote. Across 10,912 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 $958 (Q1) and $1,515 (Q3).
Residential NFIP policies counted by FEMA fell 23.8% between 2019 (14,317) and 2025 (10,912); the count peaked in 2020 (14,629). Of the 5 zones listed (AE, X, VE, AH, A), zone VE has the highest median premium ($1,456) and zone AH the lowest ($904). Coastal high-hazard zone VE is listed, with 609 policies. Inside the Special Flood Hazard Area (SFHA), the median premium in Harrison County is $1,360, 28.5% higher than outside it ($1,058); most of its zoned policies sit inside the SFHA (60.6%). The median NFIP premium in Harrison County, $1,114, is in line with the Mississippi median ($1,114) and 5.6% above the national median ($1,055); it is the 116th highest of 339 counties with all four FEMA sources.
| Flood zone group | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| SFHA (A, AE, AH, AO, AR, A99, V, VE) | 6,613 | $1,034 | $1,360 | $1,718 |
| Outside SFHA (X, B, C) | 4,299 | $863 | $1,058 | $1,088 |
By flood zone
| Flood zone | Policies | Q1 | Median | Q3 |
|---|---|---|---|---|
| AE | 5,696 | $1,035 | $1,365 | $1,696 |
| X | 4,299 | $863 | $1,058 | $1,088 |
| VE | 609 | $1,130 | $1,456 | $2,213 |
| AH | 157 | $768 | $904 | $1,692 |
| A | 136 | $951 | $1,131 | $1,427 |
Policies in force by year
| Year | Policies |
|---|---|
| 2019 | 14,317 |
| 2020 | 14,629 |
| 2021 | 14,271 |
| 2022 | 13,163 |
| 2023 | 12,321 |
| 2024 | 11,776 |
| 2025 | 10,912 |
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 10,912 policies.
NFIP paid building claims in Harrison County
NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 732 paid claims; median $7,139, half of them between $2,631 (Q1) and $22,997 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $8,750, a monetary adjustment, not today’s cost of repair.
The named event with the most paid claims in Harrison County, Hurricane Zeta, accounts for 41.5% of them, ahead of Hurricane Ida (9.8%): no single event holds a majority. Two years hold 61.1% of the paid claims (year of loss 2015-2024): 2020 with 328 and 2021 with 119.
| Event | Paid claims | Share |
|---|---|---|
| Hurricane Zeta | 304 | 41.5% |
| Hurricane Ida | 72 | 9.8% |
| Tropical Storm Nicholas | 6 | 0.8% |
| Tropical Storm Claudette | 4 | 0.5% |
| Hurricane Francine | 1 | 0.1% |
Paid claims by year of loss
| Year of loss | Paid claims |
|---|---|
| 2015 | 6 |
| 2016 | 109 |
| 2017 | 98 |
| 2018 | 46 |
| 2019 | 10 |
| 2020 | 328 |
| 2021 | 119 |
| 2022 | 10 |
| 2023 | 2 |
| 2024 | 4 |
FEMA disaster declarations
Since 2000: 19 flood, hurricane and severe-storm declarations (DR and EM) covering Harrison County, 10 of them major disaster declarations.
With 19 flood, hurricane and severe-storm declarations (DR and EM) since 2000, Harrison County has more than the median Mississippi county with all four FEMA sources (17). Hurricane declarations are the most frequent (18), ahead of Severe Storm (1).
| Incident type | Declarations |
|---|---|
| Flood | 0 |
| Hurricane | 18 |
| Severe Storm | 1 |
Latest declarations
- DR-4626: HURRICANE IDA (Hurricane, 2021-10-22)
- EM-3569: HURRICANE IDA (Hurricane, 2021-08-28)
- DR-4576: HURRICANE ZETA (Hurricane, 2020-12-31)
- EM-3550: HURRICANE ZETA (Hurricane, 2020-10-28)
- EM-3548: HURRICANE DELTA (Hurricane, 2020-10-08)
FEMA assistance to homeowners
Since 2002: 45,364 owner registrations inspected by FEMA in Harrison County 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 | 7,536 |
| $1-$10,000 | 26,106 |
| $10,001-$20,000 | 4,723 |
| $20,001-$30,000 | 1,913 |
| More than $30,000 | 5,086 |
Disasters with the most inspections
- DR-1604, HURRICANE KATRINA (declared 2005-08-29): 37,665 inspections
- DR-4576, HURRICANE ZETA (declared 2020-12-31): 2,429 inspections
- DR-4930, TROPICAL STORM ARTHUR (declared 2026-08-03): 2,129 inspections
- DR-4081, HURRICANE ISAAC (declared 2012-08-29): 1,804 inspections
- DR-4626, HURRICANE IDA (declared 2021-10-22): 591 inspections
NFIP communities and flood maps
FEMA’s Community Status Book places 6 NFIP communities in Harrison County alone; 6 of them (100.0%) 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 that 20% discount to the full-risk premium of Regular Program NFIP policies in those communities, inside or outside the SFHA, not to the whole county; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Harrison County dates from 2009-06-16 (D'iberville, City of).
| Community | In the NFIP | CRS class | CRS discount (all policies) | Map in effect | First FIRM | Sanction |
|---|---|---|---|---|---|---|
| Biloxi, City of | yes | 6 | 20% | 2017-12-21 | 1970-06-30 | — |
| Harrison County * | yes | 6 | 20% | 2017-12-21 | 1978-06-15 | — |
| D'iberville, City of | yes | 7 | 15% | 2009-06-16 | 1988-08-04 | — |
| Gulfport, City of | yes | 8 | 10% | 2017-12-21 | 1970-05-26 | — |
| Long Beach, City of | yes | 8 | 10% | 2009-06-16 | 1970-07-17 | — |
| Pass Christian, City of | yes | 8 | 10% | 2009-06-16 | 1970-05-26 | — |
Questions about flood insurance in Harrison County
How much is flood insurance in Harrison County?
NFIP policyholders in Harrison County paid a median of $1,114 for residential policies effective 2025 (10,912 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $958 and $1,515; $1,360 inside the Special Flood Hazard Area against $1,058 outside it: what NFIP policyholders paid, not a quote.
How many flood insurance claims has Harrison County had?
732 NFIP building claims were paid (year of loss 2015-2024), with a median of $7,139; the year with the most was 2020 (328), and the named event with the most was Hurricane Zeta (304). These are amounts paid, not repair cost.
Is Harrison County in a flood zone?
Of the residential NFIP policies of Harrison County (policies effective 2025), 6,613 are rated inside the Special Flood Hazard Area and 4,299 outside it (zones listed: AE, X, VE, AH, A), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.
Statewide figures: Mississippi flood insurance data.
Named storms with paid claims in Harrison County
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 county figure can rest on one disaster, and FEMA’s county code may not be the county where every property stands. Method and limits.
Source and notice
- Dominant event: Hurricane Zeta = 0.415 of paid claims 2015-2024.
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).