Data · July 2026 data · 15-month trend
Mississippi Flood Insurance Costs
In July 2026, the average premium among Mississippi NFIP policies newly written or renewed that month was $1,287. Against a national average of $986, the state sits 30.5% higher. Costs have risen 11.0% year over year. The month's tally covers 5,268 policy transactions across 75 counties, with Holmes County posting the highest average premium at $4,871.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — July 2026
- Average premium
- $1,287
- Avg total cost (with fees)
- $1,667
- Change (year over year)
- +11.0%
- vs national average
- +30.5%
- Policies written or renewed
- 5,268
- Counties reporting
- 75
Mississippi trend, last 15 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $1,119 | $1,457 | 5,160 | |
| June 2025 | $1,125 | $1,466 | 5,408 | |
| July 2025 | $1,159 | $1,515 | 5,579 | |
| August 2025 | $1,151 | $1,500 | 4,675 | |
| September 2025 | $1,146 | $1,495 | 4,188 | |
| October 2025 | $1,090 | $1,433 | 3,764 | |
| November 2025 | $1,036 | $1,357 | 3,285 | |
| December 2025 | $1,164 | $1,521 | 3,183 | |
| January 2026 | $1,187 | $1,538 | 2,800 | |
| February 2026 | $1,068 | $1,399 | 3,400 | |
| March 2026 | $1,135 | $1,471 | 4,255 | |
| April 2026 | $1,193 | $1,543 | 4,214 | |
| May 2026 | $1,225 | $1,583 | 4,856 | |
| June 2026 | $1,237 | $1,601 | 5,014 | |
| July 2026 | $1,287 | $1,667 | 5,268 |
County breakdown — July 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Holmes County | $4,871 | $6,044 | 2 | |
| Yalobusha County | $3,212 | $4,087 | 1 | |
| Tippah County | $2,759 | $3,552 | 2 | |
| Hinds County | $1,882 | $2,385 | 255 | |
| Simpson County | $1,729 | $2,168 | 8 | |
| Union County | $1,623 | $2,212 | 2 | |
| Jackson County | $1,592 | $2,000 | 1,196 | |
| Lincoln County | $1,509 | $2,078 | 1 | |
| Tishomingo County | $1,454 | $1,967 | 5 | |
| Bolivar County | $1,440 | $1,888 | 50 | |
| Attala County | $1,361 | $1,903 | 1 | |
| Lee County | $1,351 | $1,770 | 28 | |
| Harrison County | $1,342 | $1,730 | 1,515 | |
| Hancock County | $1,262 | $1,651 | 957 | |
| Walthall County | $1,207 | $1,631 | 5 | |
| Pike County | $1,188 | $1,624 | 3 | |
| Jefferson Davis County | $1,137 | $1,639 | 1 | |
| Coahoma County | $1,120 | $1,506 | 12 | |
| Monroe County | $1,115 | $1,422 | 20 | |
| Lawrence County | $1,114 | $1,451 | 7 | |
| Claiborne County | $1,114 | $1,499 | 2 | |
| Smith County | $1,094 | $1,513 | 3 | |
| Sunflower County | $1,055 | $1,362 | 10 | |
| Lamar County | $1,040 | $1,359 | 30 | |
| Pontotoc County | $1,024 | $1,355 | 3 | |
| Itawamba County | $1,010 | $1,264 | 1 | |
| Alcorn County | $1,008 | $1,457 | 15 | |
| Marion County | $997 | $1,382 | 27 | |
| Forrest County | $989 | $1,356 | 93 | |
| Grenada County | $935 | $1,190 | 15 | |
| Pearl River County | $933 | $1,205 | 77 | |
| Benton County | $915 | $1,152 | 1 | |
| Leake County | $909 | $1,370 | 2 | |
| Perry County | $905 | $1,309 | 4 | |
| Rankin County | $903 | $1,220 | 120 | |
| Calhoun County | $903 | $1,137 | 2 | |
| Clay County | $869 | $1,130 | 7 | |
| Adams County | $865 | $1,317 | 3 | |
| Panola County | $853 | $1,212 | 22 | |
| George County | $837 | $1,120 | 11 | |
| Lowndes County | $782 | $1,095 | 67 | |
| Copiah County | $772 | $1,118 | 5 | |
| Jasper County | $765 | $1,200 | 4 | |
| Jefferson County | $762 | $971 | 2 | |
| Montgomery County | $762 | $971 | 1 | |
| Lauderdale County | $751 | $1,037 | 37 | |
| Tallahatchie County | $751 | $1,093 | 15 | |
| Lafayette County | $749 | $1,008 | 17 | |
| Washington County | $749 | $1,003 | 142 | |
| Clarke County | $742 | $969 | 11 | |
| Neshoba County | $738 | $975 | 7 | |
| Wayne County | $730 | $933 | 2 | |
| Humphreys County | $719 | $1,033 | 2 | |
| Tunica County | $716 | $917 | 4 | |
| Madison County | $702 | $1,022 | 104 | |
| Marshall County | $689 | $942 | 4 | |
| Yazoo County | $680 | $1,007 | 39 | |
| Jones County | $670 | $963 | 18 | |
| Newton County | $669 | $861 | 1 | |
| Warren County | $669 | $1,017 | 36 | |
| Scott County | $666 | $859 | 3 | |
| DeSoto County | $664 | $884 | 48 | |
| Wilkinson County | $637 | $937 | 2 | |
| Leflore County | $630 | $956 | 104 | |
| Oktibbeha County | $621 | $936 | 29 | |
| Winston County | $559 | $731 | 2 | |
| Greene County | $551 | $723 | 4 | |
| Carroll County | $539 | $708 | 4 | |
| Quitman County | $470 | $627 | 7 | |
| Covington County | $465 | $821 | 9 | |
| Issaquena County | $447 | $674 | 3 | |
| Chickasaw County | $434 | $584 | 1 | |
| Sharkey County | $407 | $608 | 12 | |
| Tate County | $286 | $409 | 1 | |
| Franklin County | $282 | $630 | 2 |
Use this data
Download Mississippi CSV (mississippi.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (NFIP Redacted Policies v3).
"Mississippi Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, July 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/mississippi
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.