Flood insurance cost in Mississippi
In Mississippi, the lowest private flood insurance quote ran $794 a year and the typical private quote ran $1,768. The NFIP quote ran $2,163.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 49% below the NFIP quote, and private was the cheaper option for 79% of those 58 properties. The typical private quote came in 9% above NFIP.
Median annual premiums from 867 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Zone A, AE, AH and AO (high risk) | $871 | $2,548 | $2,559 | 653 |
| Residential properties | $794 | $1,768 | $2,163 | 865 |
How quotes have moved since 2020
- Lowest private quote$770 in 2026
- Typical private quote$1,842 in 2026
- NFIP quote$2,552 in 2026
Dashed lines span years with too few quotes to report a figure.
* 2026 is still in progress and runs through the latest update.
| Year | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| 2020 | $900 | $1,530 | $1,799 | 339 |
| 2021 | $877 | $1,418 | n/a | 208 |
| 2022 | $1,089 | $2,194 | n/a | 160 |
| 2023 | $955 | $1,448 | n/a | 188 |
| 2024 | $885 | $1,664 | $1,551 | 354 |
| 2025 | $823 | $1,817 | $1,732 | 419 |
| 2026* | $770 | $1,842 | $2,552 | 426 |
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in Mississippi?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in Mississippi was $1,768 a year and the lowest private quote a property received was $794. NFIP quotes ran $2,163. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Is private flood insurance cheaper than NFIP in Mississippi?
- Where a property was quoted both ways, the lowest private quote came in a median 49% below the NFIP quote, and private was the cheaper option for 79% of those 58 properties. The typical private quote came in 9% above NFIP.
- Where do these numbers come from?
- From 867 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in Mississippi
- Flood insurance in Mississippi: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.