Home›States›Mississippi›Pass Christian
FEMA flood zones · Mississippi

Pass Christian, Mississippi Flood Zone Map

5,686 residents·in Harrison County·15,939 flood claims county-wide

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 Pass Christian, 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 Pass Christian

The map above shows FEMA’s flood zones in and around Pass Christian; tap any spot, or search an address, for the exact zone. FEMA’s flood insurance records are kept by county, not by city, so the numbers below are for all of Harrison County, which includes Pass Christian.

21% of Harrison County’s area is in FEMA’s high-risk flood zones, and another 5% in shaded X (mostly the 0.2% floodplain and areas behind levees).

Where the flood claims came from

17% of Harrison County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.

13,408 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.

How deep the water got

outlet80″ door12″24″36″48″60″72″84″

In Harrison County flood insurance claims that reported a flood depth, the average was 28 inches.

Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.

Average of the depths reported on the county’s claims (zero and implausible values left out). Source: OpenFEMA NFIP claims.

Flood claims, year by year

The worst year was 2005, with 8,241 claims and $1.2B paid, the year of Hurricane Dennis and Hurricane Katrina.

1978: 56 claims1979: 133 claims1980: 406 claims1981: 12 claims1982: 57 claims1983: 187 claims1984: 15 claims1985: 423 claims1986: 6 claims1987: 52 claims1988: 43 claims1989: 27 claims1990: 23 claims1991: 244 claims1992: 59 claims1993: 143 claims1994: 66 claims1995: 556 claims1996: 43 claims1997: 55 claims1998: 1,512 claims1999: 4 claims2000: 9 claims2001: 483 claims2002: 627 claims2003: 27 claims2004: 42 claims2005: 8,241 claims2006: 28 claims2007: 3 claims2008: 294 claims2009: 216 claims2010: 19 claims2011: 29 claims2012: 544 claims2013: 104 claims2014: 23 claims2015: 14 claims2016: 147 claims2017: 121 claims2018: 53 claims2019: 17 claims2020: 459 claims2021: 146 claims2022: 12 claims2023: 4 claims2024: 8 claims2025: 3 claims2026: 144 claims19801990200020102020

Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.

Full Harrison County flood history: disasters, storm reports and 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 Pass Christian

If a building is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.

The average NFIP premium across Mississippi was $1,224 a year on August 31, 2026 (premium plus the federal policy fee; the reserve fund assessment and HFIAA surcharge come on top). Risk Rating 2.0 prices each building on its own flood risk, so a quote can be far from the average.

Outside the high-risk zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Quotes: FloodSmart.gov or a local agent.