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FEMA flood zones · statewide

Mississippi Flood Zone Map

64,233 flood insurance claims·$3.1B paid·47,820 policies in force

Coastal high risk (V, VE)FloodwayHigh risk (A, AE)Moderate (X, 500-year)Minimal (X)Undetermined (D)

Shaded areas are FEMA’s mapped flood hazard zones in and around Mississippi. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.

Flood Risk in Mississippi

Mississippi experiences a mixed flood risk profile dominated heavily by frequent flash floods, alongside standard riverine floods, tropical storms, and hurricanes. Over the past thirty years, NOAA data records 3,428 flash flood events resulting in 19 deaths, outnumbering other flood types. Standard floods contributed 252 events and 7 deaths, while hurricanes caused 16 deaths across 155 events. Tropical storms, tropical depressions, and storm surges also contributed to the state's historical event mix.

Federal disaster declarations reflect this persistent severe weather vulnerability, highlighted by multiple concurrent declarations for severe storms, straight-line winds, tornadoes, and flooding issued on March 14, 2025. This activity impacts both inland areas and coastal regions, where tropical systems and storm surges add substantial hazard potential.

National Flood Insurance Program records indicate that high-risk Zone A bears the brunt of the financial impact, accumulating 43,235 claims totaling $2,058 million paid. However, significant financial losses occur outside primary high-risk zones. Various Zone X categories account for over 15,200 claims and hundreds of millions of dollars paid, demonstrating that residents outside designated high-risk flood zones also experience costly property damage. Zone V claims, while fewer in number at 1,156, carry the highest average payout at $94,306, underscoring severe coastal vulnerability.

Summary generated from FEMA disaster declarations, NOAA storm events, and NFIP claim data. Updated quarterly.

Mississippi Flood Statistics

Total NFIP Claims
64,233
Total Claims Paid
$3.1B
Average Claim
$47,722
NFIP Policies in Force (Aug 31, 2026)
47,820
Average NFIP Premium (Aug 31, 2026)
$1,224/yr
Disaster Declarations
2,129
Peak Claims Year
2005 (19,764 claims)
Latest Disaster
SEVERE WINTER STORM (2026-01-23)

Source: OpenFEMA NFIP Claims, Policies, and Disaster Declarations data. NFIP policies in force and average premium (premium plus federal policy fee) as of August 31, 2026, from OpenFEMA.

Mississippi Disaster History

Mississippi has received 2,129 federal disaster declarations, including 125 flood and coastal storm declarations and 421 hurricane declarations.

Where Mississippi’s flood claims are

  1. Harrison County15,939
  2. Jackson County11,325
  3. Hancock County9,927
  4. Hinds County4,716
  5. Warren County2,690
  6. Washington County1,955
  7. Forrest County1,755
  8. Wilkinson County1,394
  9. Lowndes County1,186
  10. Madison County1,003

NFIP claims by county, 1978 to date. Source: OpenFEMA. Counties ranked by recorded flood events →

The zones you’ll see on the map

Cross-section of a coastal flood zoneDiagram: land rising away from the shore. The 1%-annual-chance flood surface reaches inland; where storm waves ride on top of it the zone is V or VE, behind that AE, then a band of shaded X, then X on higher ground.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXX shadedAEVE
  1. VE / V Storm waves of 3 feet or more ride on top of the flood. Strictest building rules; homes go up on pilings.
  2. A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
  3. X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
  4. X Outside both lines. No federal requirement to insure, which is not the same as no risk.

Every flood zone code explained →

Flood Insurance in Mississippi

Properties in Mississippi FEMA-designated Special Flood Hazard Areas (zones A and V) with a mortgage from a federally regulated or insured lender, or a federally backed loan, are required to carry flood insurance through the National Flood Insurance Program (NFIP).

Mississippi had 47,820 NFIP policies in force on August 31, 2026, and the average NFIP premium was $1,224 a year (premium plus the federal policy fee; the reserve fund assessment and HFIAA surcharge come on top, and nationally they make actual bills about a quarter higher). Under FEMA’s Risk Rating 2.0 each building is priced on its own flood risk, so a state average says little about what any one home will pay.

Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from properties outside the high-risk Special Flood Hazard Area. Mississippi residents can purchase flood insurance through the NFIP or private insurers.

Visit FloodSmart.gov to find an agent and get a quote.

See the most flood-prone counties in Mississippi →

Mississippi Counties (82)

Select a county to view local flood zone data and disaster history:

Mississippi Cities (67)

Select a city to check flood zone information: