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 numbersHistorical averages, not a quote. Updated Oct 2026.
Mississippi at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in Mississippi pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
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.
Typical premium per policy
Flood insurance
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.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
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.
Hazards across Mississippi's counties
Mississippi counties
All 82 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Adams County | $2,325 | $1,125 | Relatively Low |
| Alcorn County | $1,556 | $1,051 | Relatively Low |
| Amite County | $2,081 | — | Relatively Low |
| Attala County | $1,705 | $977 | Very Low |
| Benton County | $1,967 | — | Very Low |
| Bolivar County | $2,232 | $1,009 | Relatively Low |
| Calhoun County | $1,620 | $856 | Very Low |
| Carroll County | $1,894 | $893 | Very Low |
| Chickasaw County | $1,562 | $776 | Relatively Low |
| Choctaw County | $1,545 | $1,071 | Very Low |
| Claiborne County | $2,118 | $762 | Very Low |
| Clarke County | $1,841 | $966 | Very Low |
| Clay County | $1,513 | $1,074 | Very Low |
| Coahoma County | $2,110 | $1,099 | Relatively Low |
| Copiah County | $1,980 | $1,073 | Relatively Low |
| Covington County | $2,014 | $974 | Relatively Low |
| DeSoto County | $1,941 | $910 | Relatively Moderate |
| Forrest County | $2,132 | $1,093 | Relatively Low |
| Franklin County | $1,860 | — | Very Low |
| George County | $2,348 | $1,231 | Relatively Low |
| Greene County | $1,956 | $990 | Very Low |
| Grenada County | $1,807 | $992 | Relatively Low |
| Hancock County | $2,964 | $1,374 | Relatively Moderate |
| Harrison County | $2,819 | $1,323 | Relatively High |
| Hinds County | $2,106 | $1,528 | Relatively Moderate |
| Holmes County | $1,820 | $661 | Relatively Low |
| Humphreys County | $1,959 | $877 | Very Low |
| Issaquena County | — | $768 | Very Low |
| Itawamba County | $1,606 | $1,091 | Relatively Low |
| Jackson County | $2,843 | $1,408 | Relatively Moderate |
| Jasper County | $1,741 | $1,019 | Very Low |
| Jefferson County | $2,181 | — | Very Low |
| Jefferson Davis County | $2,070 | — | Very Low |
| Jones County | $1,949 | $966 | Relatively Low |
| Kemper County | $1,591 | — | Very Low |
| Lafayette County | $1,847 | $918 | Relatively Low |
| Lamar County | $2,247 | $1,178 | Relatively Low |
| Lauderdale County | $1,833 | $1,035 | Relatively Moderate |
| Lawrence County | $2,068 | $1,108 | Very Low |
| Leake County | $1,671 | $931 | Relatively Low |
| Lee County | $1,721 | $953 | Relatively Moderate |
| Leflore County | $1,847 | $879 | Relatively Low |
| Lincoln County | $2,015 | $842 | Relatively Low |
| Lowndes County | $1,668 | $997 | Relatively Low |
| Madison County | $2,194 | $909 | Relatively Moderate |
| Marion County | $2,136 | $872 | Relatively Low |
| Marshall County | $2,010 | $1,112 | Relatively Low |
| Monroe County | $1,681 | $1,021 | Relatively Low |
| Montgomery County | $1,804 | $859 | Very Low |
| Neshoba County | $1,676 | $967 | Relatively Low |
| Newton County | $1,694 | $869 | Relatively Low |
| Noxubee County | $1,610 | $1,505 | Very Low |
| Oktibbeha County | $1,745 | $950 | Relatively Low |
| Panola County | $1,806 | $880 | Relatively Low |
| Pearl River County | $2,410 | $962 | Relatively Moderate |
| Perry County | $2,049 | $1,072 | Very Low |
| Pike County | $2,259 | $1,066 | Relatively Low |
| Pontotoc County | $1,514 | — | Relatively Low |
| Prentiss County | $1,639 | — | Relatively Low |
| Quitman County | $2,088 | $747 | Very Low |
| Rankin County | $1,889 | $923 | Relatively Moderate |
| Scott County | $1,692 | $732 | Relatively Low |
| Sharkey County | $2,235 | $759 | Very Low |
| Simpson County | $2,082 | $1,228 | Relatively Low |
| Smith County | $1,894 | — | Relatively Low |
| Stone County | $2,298 | $1,169 | Relatively Low |
| Sunflower County | $2,088 | $993 | Relatively Low |
| Tallahatchie County | $1,712 | $873 | Very Low |
| Tate County | $1,841 | $878 | Very Low |
| Tippah County | $1,706 | — | Relatively Low |
| Tishomingo County | $1,577 | $1,145 | Very Low |
| Tunica County | $2,297 | $1,086 | Very Low |
| Union County | $1,615 | $827 | Relatively Low |
| Walthall County | $2,283 | $1,316 | Very Low |
| Warren County | $2,059 | $896 | Relatively Moderate |
| Washington County | $2,153 | $906 | Relatively Moderate |
| Wayne County | $1,906 | $1,196 | Relatively Low |
| Webster County | $1,602 | — | Very Low |
| Wilkinson County | $2,672 | $1,139 | Very Low |
| Winston County | $1,654 | $832 | Very Low |
| Yalobusha County | $1,664 | $891 | Very Low |
| Yazoo County | $2,028 | $821 | Relatively Low |
ZIP codes with the most flood policies
Practical next steps
Simple things Mississippi homeowners can do with this information.
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.