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Flood insurance costs in Mississippi are determined by various factors, including your location and property risks like the ground elevation of your home and proximity to flooding sources.

You can check a local flood map to see if you are in a flood zone. If you are in a flood zone, MoneyGeek recommends purchasing flood insurance. The Federal Emergency Management Agency (FEMA) estimates that an inch of water in your home can cause damages of up to $25,000.

Standard homeowners and renters insurance policies do not include coverage for floods, so purchasing coverage can protect your home and wallet.


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On average, residents of Mississippi pay more for flood insurance than the national average.

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Newton County has the most expensive flood insurance rates in Mississippi, while Holmes County has the most expensive premiums.

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In Mississippi, Amite County has had the fewest flooding events since 1996.

Average Cost of Flood Insurance in Mississippi

The average cost of flood insurance in Mississippi is $850 per year. Average flood insurance rates in a state vary depending on flood-prone areas and individual property risks. Areas that have a higher risk of flooding typically incur higher flood insurance rates.

Average Cost of Flood Insurance by County in Mississippi

Mississippi residents pay more for flood insurance compared to the average national rate. This could be because Mississippi has many flood-prone areas.

MoneyGeek analyzed flood insurance costs in Mississippi and found that Newton County is the cheapest, at an average of $546 annually, while Holmes County is the most expensive, at roughly $2,341 yearly.

You can see the average flood insurance cost in Mississippi by county below.

Mississippi Flood Insurance Cost Per County
County
Average Cost

ADAMS COUNTY

$1,095

ALCORN COUNTY

$1,482

AMITE COUNTY

$785

ATTALA COUNTY

$1,045

BENTON COUNTY

$1,860

BOLIVAR COUNTY

$716

CALHOUN COUNTY

$796

CARROLL COUNTY

$613

CHICKASAW COUNTY

$629

CHOCTAW COUNTY

$977

CLAIBORNE COUNTY

$771

CLARKE COUNTY

$776

CLAY COUNTY

$806

COAHOMA COUNTY

$867

COPIAH COUNTY

$964

COVINGTON COUNTY

$1,207

DESOTO COUNTY

$856

FORREST COUNTY

$1,030

FRANKLIN COUNTY

$907

GEORGE COUNTY

$901

GREENE COUNTY

$900

GRENADA COUNTY

$636

HANCOCK COUNTY

$790

HARRISON COUNTY

$791

HINDS COUNTY

$1,334

HOLMES COUNTY

$2,341

HUMPHREYS COUNTY

$753

ISSAQUENA COUNTY

$972

ITAWAMBA COUNTY

$688

JACKSON COUNTY

$767

JASPER COUNTY

$1,487

JEFFERSON COUNTY

$785

JEFFERSON DAVIS COUNTY

$1,663

JONES COUNTY

$1,016

KEMPER COUNTY

$2,315

LAFAYETTE COUNTY

$577

LAMAR COUNTY

$904

LAUDERDALE COUNTY

$1,063

LAWRENCE COUNTY

$1,441

LEAKE COUNTY

$890

LEE COUNTY

$1,375

LEFLORE COUNTY

$665

LINCOLN COUNTY

$988

LOWNDES COUNTY

$910

MADISON COUNTY

$777

MARION COUNTY

$1,092

MARSHALL COUNTY

$816

MONROE COUNTY

$744

MONTGOMERY COUNTY

$714

NESHOBA COUNTY

$1,128

NEWTON COUNTY

$546

NOXUBEE COUNTY

$1,267

OKTIBBEHA COUNTY

$629

PANOLA COUNTY

$755

PEARL RIVER COUNTY

$691

PERRY COUNTY

$969

PIKE COUNTY

$1,508

PONTOTOC COUNTY

$1,296

PRENTISS COUNTY

$673

QUITMAN COUNTY

$649

RANKIN COUNTY

$1,041

SCOTT COUNTY

$1,180

SHARKEY COUNTY

$736

SIMPSON COUNTY

$971

SMITH COUNTY

$1,151

STONE COUNTY

$623

SUNFLOWER COUNTY

$897

TALLAHATCHIE COUNTY

$878

TATE COUNTY

$1,203

TIPPAH COUNTY

$2,296

TISHOMINGO COUNTY

$720

TUNICA COUNTY

$1,605

UNION COUNTY

$1,287

WALTHALL COUNTY

$994

WARREN COUNTY

$894

WASHINGTON COUNTY

$969

WAYNE COUNTY

$1,044

WEBSTER COUNTY

$619

WILKINSON COUNTY

$909

WINSTON COUNTY

$726

YALOBUSHA COUNTY

$570

YAZOO COUNTY

$1,193

Companies That Offer Flood Insurance in Mississippi

In Mississippi, you can purchase flood insurance from the NFIP or from private insurers. Private insurers may offer a base policy similar to an NFIP policy or an excess policy with supplemental coverage on top of a base policy.

If you don't live in an NFIP community or want more coverage than what is offered by the NFIP, using a private insurer could be your best option.

Private Flood Insurance Providers in MS and Their Contact Numbers
Company
Contact

Neptune Flood

727-202-4815

Aon Private Flood

888-281-0684

Hiscox - FloodPlus

866-283-7545

FloodSimple Insurance Services

844-803-8788

Chubb

866-324-8222

Zurich Insurance Group

800-382-2150

Swiss Re

800-241-8310

Berkshire Hathaway

800-673-2465

Private Market Flood

877-356-6348

TypTap

844-289-7968

The NFIP also partners with insurance companies to provide flood insurance In Mississippi. You can review NFIP-participating providers in the table below.

NFIP-Participating Flood Insurance Providers in State and Their Contact Numbers
Company
Contact

Allstate Insurance Company

(800) 527-2634

American Nat. Prop. & Casualty

(417) 887-4990

American Strategic Ins. Corp.

(866) 274-8765

Assurant

(800) 423-4403

Auto Owners Insurance Co.

Refer to the Agent locator

Bankers Insurance Group, DBA: First Community Insurance Company

(800) 627-0000

Centauri Specialty Ins. Company

(866) 318-4113

Coastal American Insurance Company

(855) 836-4950

Farmers Insurance Group

(866) 865-2965

FedNat Insurance Company

(800) 293-2532

Hartford Fire Insurance Co.

(860) 547-7440

Hartford Underwriters Ins. Co.

(800) 296-7542

Homesite Insurance Company

(800) 466-3748

Liberty Mutual Fire Insurance Company

(800) 283-6033

National General Insurance Co

(800) 462-2123

NFIP Direct Servicing Agent

(800) 638-6620

NGM Insurance Company

(603) 352-4000

Occidental Fire & Casualty

(800) 780-8423

Pacific Specialty Insurance Company

(800)-303-5000

Philadelphia Indemnity Ins. Co

(877) 672-7945 ext. 8295

Privilege Underwriters

(888) 813-7873

QBE Insurance Corporation

(877) 372-3996

Selective Ins. Co. Of America

(877) 348-0552

Southern Farm Bureau Casualty Insurance Company

(800) 647-8052

Southern Fidelity Ins. Company

(866)-471-8855

United Property & Cas. Ins. Co

(727) 895-7737

USAA General Indemnity Company

(210) 531-USAA (8722)

Westfield Insurance Company

(800) 243-0210

Wright National Flood Ins. Co.

(866) 373-5663

How to Purchase Flood Insurance and Its Coverage Requirements

If you need to purchase flood insurance in Mississippi, there are no special requirements. You need to call the NFIP through their hotline (877-336-2627), contact your home insurance agent or contact private providers in your area.

Flood insurance has a waiting period of up to 30 days through the NFIP or 10 days from private insurers in Mississippi. Talk to your provider to verify this waiting period.

What Does Flood Insurance Cover in Mississippi?

Flood insurance typically protects building structures and contents against flood damage. Even an inch of water in your home can cause $25,000 in damages.

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In flood insurance, a “flood” specifically refers to water damage resulting from a natural phenomenon or weather event. Your policy will not cover unnatural water damage.

Flood insurance does not cover damages to swimming pools, decks, patios, landscaping, cash and paperwork, basement items or vehicles.

Flood Insurance Building Coverage

Flood insurance includes building coverage, which helps to pay for repairs or to replace the physical structure of your home when damaged by a flood. The NFIP offers building coverage of up to $250,000.

Some of the structures and systems covered under building coverage include:

  • Foundation walls
  • Electrical systems
  • Plumbing systems
  • Furnaces, central heating and air conditioning
  • Built-in appliances
  • Permanent carpets
  • Built-in furniture

Flood Insurance Contents Coverage

Flood insurance covers flood damage to the contents or personal belongings in your home under the contents coverage. Through the NFIP, you can purchase up to $100,000 worth of content coverage.

Some of the contents protected under this coverage include:

  • Clothing
  • Furniture
  • Electronic equipment
  • Washers and dryers
  • Artwork

Factors That Affect Flood Insurance Costs in Mississippi

Before October 2021, flood insurance costs were determined based on your proximity to a flood zone. You can use FEMA’s resources to check the historical flood risk of your state.

FEMA found that Hinds County had the most flooding events since 1996, at 123, while Amite had the least at 12. Flood insurance costs an average of $1,334 per year in Hinds County compared to around $785 for Amite County.

Hinds County historically has the most flooding events, but it is not the most expensive in the state. This is because size is also a factor in determining rates.

Risk Rating 2.0

Risk Rating 2.0 is a system that creates fairer premiums for flood insurance. It was introduced by FEMA in October 2021 and bases rates on individual property risks, including:

  • Foundation type
  • Dwelling structure
  • Elevation
  • Replacement and repair costs
  • Frequency of flooding
  • Proximity to bodies of water

Your location is still a major aspect in determining your premiums.

MoneyGeek explains the factors affecting the average flood insurance cost in Mississippi.

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    Flood Risk

    With Risk Rating 2.0, flood risk is now determined on an individual basis. This means that rates can vary even between neighbors depending on flood risk. Premiums in high-risk flood areas can be significantly higher compared to low-risk zones.

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    Coverage Type

    Flood insurance rates can change depending on the amount of coverage, with higher coverage costing more. Coverage levels may also vary depending on your county.

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    Deductible

    Choosing a flood insurance policy with a higher deductible can lower your premium. Deductibles can range from $1,000 to $10,000, but you will need to pay this amount when filing a claim.

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    Age of Structure

    Older structures that are at a higher risk for damage cost more to insure than newer structures.

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    Structure Design

    Flood insurance rates may vary depending on the design and materials used in the structure of your building.

Do You Need Flood Insurance in Mississippi?

Flood insurance is a good investment since flooding can happen to any home. In high-risk flood zones, government-backed mortgages and lenders will require you to purchase coverage.

FEMA recommends flood insurance for added protection even if you live in a low or moderate-risk flood zone. Standard homeowners and renters insurance policies do not cover floods, so buying a flood insurance policy provides peace of mind.

Even without a presidential disaster declaration, flood insurance will pay claims and may even be more than federal disaster assistance, which can include a loan or a grant of up to $5,000 per household.

Frequently Asked Questions About Mississippi Flood Insurance

MoneyGeek answered frequently asked questions to help you learn more about flood insurance in Mississippi.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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