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Home insurance costs & natural hazards in Mississippi

Plain facts for Mississippi homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

Illustration of a house on a hill in front of a large shield

Mississippi at a glance

Four numbers most homeowners ask about first.

$1,921
Typical home premium

Median ZIP code, per policy per year in 2022 (inflation-adjusted).

$1,272
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

1.25%
Nonrenewal rate

Median ZIP in 2022. Typical U.S. ZIP: 0.81%.

1 of 82
Counties rated high

Counties FEMA rates relatively high or very high on its overall National Risk Index.

Mississippi in numbers
3.0M
residents (2020 Census)
6.0%
of policies had a paid claim (2022, median ZIP)
$11,672
average paid claim (2022, median ZIP)
39,842
single-family NFIP flood policies (2025)

What homeowners in Mississippi pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The typical Mississippi ZIP code saw homeowners premiums of $1,921 per policy in 2022, 24% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 3% between 2018 and 2022. The figures come from 333 Mississippi ZIP codes in Treasury's data.

Premiums by county

Typical premium per policy

Inflation-adjusted dollars, median across ZIP codes
MississippiU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

Standard home policies don't cover floods. 39,842 single-family NFIP policies took effect in Mississippi in 2025, at an average full cost of $1,272, compared with $910 in 2022. About 70% of those policies are for homes in high-risk A or V zones.

Flood costs by county

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

39,842 policies
A zones 65%X/B/C zones 30%V zones 4%

Natural hazards

FEMA National Risk Index, December 2025

Bars count how many of Mississippi's 82 counties FEMA rates relatively high or very high for each hazard. The most widespread are lightning, tornado and strong wind. Open any county for its full hazard profile.

How the ratings work

Hazards across Mississippi's counties

Counties FEMA rates relatively high or very high

Mississippi counties

All 82 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.

Typical home premium by county, 2022

Tap a county to open its page. White = not enough data.
Adams County: $2,325Alcorn County: $1,556Amite County: $2,081Attala County: $1,705Benton County: $1,967Bolivar County: $2,232Calhoun County: $1,620Carroll County: $1,894Chickasaw County: $1,562Choctaw County: $1,545Claiborne County: $2,118Clarke County: $1,841Clay County: $1,513Coahoma County: $2,110Copiah County: $1,980Covington County: $2,014DeSoto County: $1,941Forrest County: $2,132Franklin County: $1,860George County: $2,348Greene County: $1,956Grenada County: $1,807Hancock County: $2,964Harrison County: $2,819Hinds County: $2,106Holmes County: $1,820Humphreys County: $1,959Issaquena County: no dataItawamba County: $1,606Jackson County: $2,843Jasper County: $1,741Jefferson County: $2,181Jefferson Davis County: $2,070Jones County: $1,949Kemper County: $1,591Lafayette County: $1,847Lamar County: $2,247Lauderdale County: $1,833Lawrence County: $2,068Leake County: $1,671Lee County: $1,721Leflore County: $1,847Lincoln County: $2,015Lowndes County: $1,668Madison County: $2,194Marion County: $2,136Marshall County: $2,010Monroe County: $1,681Montgomery County: $1,804Neshoba County: $1,676Newton County: $1,694Noxubee County: $1,610Oktibbeha County: $1,745Panola County: $1,806Pearl River County: $2,410Perry County: $2,049Pike County: $2,259Pontotoc County: $1,514Prentiss County: $1,639Quitman County: $2,088Rankin County: $1,889Scott County: $1,692Sharkey County: $2,235Simpson County: $2,082Smith County: $1,894Stone County: $2,298Sunflower County: $2,088Tallahatchie County: $1,712Tate County: $1,841Tippah County: $1,706Tishomingo County: $1,577Tunica County: $2,297Union County: $1,615Walthall County: $2,283Warren County: $2,059Washington County: $2,153Wayne County: $1,906Webster County: $1,602Wilkinson County: $2,672Winston County: $1,654Yalobusha County: $1,664Yazoo County: $2,028
under $1,671$1,671–$1,841$1,841–$2,014$2,014–$2,153$2,153+
CountyPremiumFloodFEMA rating
Adams County$2,325$1,125Relatively Low
Alcorn County$1,556$1,051Relatively Low
Amite County$2,081—Relatively Low
Attala County$1,705$977Very Low
Benton County$1,967—Very Low
Bolivar County$2,232$1,009Relatively Low
Calhoun County$1,620$856Very Low
Carroll County$1,894$893Very Low
Chickasaw County$1,562$776Relatively Low
Choctaw County$1,545$1,071Very Low
Claiborne County$2,118$762Very Low
Clarke County$1,841$966Very Low
Clay County$1,513$1,074Very Low
Coahoma County$2,110$1,099Relatively Low
Copiah County$1,980$1,073Relatively Low
Covington County$2,014$974Relatively Low
DeSoto County$1,941$910Relatively Moderate
Forrest County$2,132$1,093Relatively Low
Franklin County$1,860—Very Low
George County$2,348$1,231Relatively Low
Greene County$1,956$990Very Low
Grenada County$1,807$992Relatively Low
Hancock County$2,964$1,374Relatively Moderate
Harrison County$2,819$1,323Relatively High
Hinds County$2,106$1,528Relatively Moderate
Holmes County$1,820$661Relatively Low
Humphreys County$1,959$877Very Low
Issaquena County—$768Very Low
Itawamba County$1,606$1,091Relatively Low
Jackson County$2,843$1,408Relatively Moderate
Jasper County$1,741$1,019Very Low
Jefferson County$2,181—Very Low
Jefferson Davis County$2,070—Very Low
Jones County$1,949$966Relatively Low
Kemper County$1,591—Very Low
Lafayette County$1,847$918Relatively Low
Lamar County$2,247$1,178Relatively Low
Lauderdale County$1,833$1,035Relatively Moderate
Lawrence County$2,068$1,108Very Low
Leake County$1,671$931Relatively Low
Lee County$1,721$953Relatively Moderate
Leflore County$1,847$879Relatively Low
Lincoln County$2,015$842Relatively Low
Lowndes County$1,668$997Relatively Low
Madison County$2,194$909Relatively Moderate
Marion County$2,136$872Relatively Low
Marshall County$2,010$1,112Relatively Low
Monroe County$1,681$1,021Relatively Low
Montgomery County$1,804$859Very Low
Neshoba County$1,676$967Relatively Low
Newton County$1,694$869Relatively Low
Noxubee County$1,610$1,505Very Low
Oktibbeha County$1,745$950Relatively Low
Panola County$1,806$880Relatively Low
Pearl River County$2,410$962Relatively Moderate
Perry County$2,049$1,072Very Low
Pike County$2,259$1,066Relatively Low
Pontotoc County$1,514—Relatively Low
Prentiss County$1,639—Relatively Low
Quitman County$2,088$747Very Low
Rankin County$1,889$923Relatively Moderate
Scott County$1,692$732Relatively Low
Sharkey County$2,235$759Very Low
Simpson County$2,082$1,228Relatively Low
Smith County$1,894—Relatively Low
Stone County$2,298$1,169Relatively Low
Sunflower County$2,088$993Relatively Low
Tallahatchie County$1,712$873Very Low
Tate County$1,841$878Very Low
Tippah County$1,706—Relatively Low
Tishomingo County$1,577$1,145Very Low
Tunica County$2,297$1,086Very Low
Union County$1,615$827Relatively Low
Walthall County$2,283$1,316Very Low
Warren County$2,059$896Relatively Moderate
Washington County$2,153$906Relatively Moderate
Wayne County$1,906$1,196Relatively Low
Webster County$1,602—Very Low
Wilkinson County$2,672$1,139Very Low
Winston County$1,654$832Very Low
Yalobusha County$1,664$891Very Low
Yazoo County$2,028$821Relatively Low

ZIP codes with the most flood policies

Practical next steps

Simple things Mississippi homeowners can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Ask about wind mitigation credits. Features like hurricane straps, a newer roof and impact-rated windows or shutters can lower premiums. Ask your insurer which upgrades earn a discount and what paperwork it needs.
Know that earthquake damage is separate. Standard homeowners policies exclude earthquakes. If shaking is a concern where you live, ask about a separate earthquake policy or endorsement and its deductible.
Have a shelter plan. Know where your safe room or interior shelter is, and keep an up-to-date photo or video inventory of your belongings to make any claim simpler.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, 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). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.