Data · May 2026 data · 13-month trend
Mississippi Flood Insurance Costs
In May 2026, the average premium among Mississippi NFIP policies newly written or renewed that month was $1,227. Against a national average of $982, the state sits 25.0% higher. Costs have risen 9.7% year over year. The month's tally covers 4,642 policy transactions across 70 counties, with Holmes County posting the highest average premium at $5,002.
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 — May 2026
- Average premium
- $1,227
- Avg total cost (with fees)
- $1,585
- Change (year over year)
- +9.7%
- vs national average
- +25.0%
- Policies written or renewed
- 4,642
- Counties reporting
- 70
Mississippi trend, last 13 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 | 5,159 | |
| June 2025 | $1,125 | $1,466 | 5,407 | |
| July 2025 | $1,159 | $1,516 | 5,576 | |
| August 2025 | $1,148 | $1,497 | 4,669 | |
| September 2025 | $1,146 | $1,495 | 4,184 | |
| October 2025 | $1,089 | $1,432 | 3,761 | |
| November 2025 | $1,036 | $1,357 | 3,282 | |
| December 2025 | $1,164 | $1,521 | 3,181 | |
| January 2026 | $1,186 | $1,537 | 2,799 | |
| February 2026 | $1,068 | $1,399 | 3,397 | |
| March 2026 | $1,135 | $1,472 | 4,255 | |
| April 2026 | $1,193 | $1,543 | 4,206 | |
| May 2026 | $1,227 | $1,585 | 4,642 |
County breakdown — May 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 | $5,002 | $6,199 | 2 | |
| Tunica County | $2,238 | $2,854 | 8 | |
| Smith County | $2,197 | $2,664 | 1 | |
| DeSoto County | $2,006 | $2,590 | 76 | |
| Prentiss County | $1,848 | $2,478 | 3 | |
| George County | $1,750 | $2,137 | 3 | |
| Alcorn County | $1,666 | $2,188 | 6 | |
| Itawamba County | $1,586 | $1,943 | 1 | |
| Lamar County | $1,439 | $1,831 | 22 | |
| Hinds County | $1,431 | $1,826 | 238 | |
| Jackson County | $1,331 | $1,682 | 1,178 | |
| Harrison County | $1,321 | $1,695 | 1,289 | |
| Clay County | $1,316 | $1,662 | 6 | |
| Hancock County | $1,254 | $1,623 | 727 | |
| Lauderdale County | $1,244 | $1,603 | 25 | |
| Lee County | $1,205 | $1,637 | 30 | |
| Jones County | $1,199 | $1,599 | 12 | |
| Adams County | $1,192 | $1,647 | 4 | |
| Lawrence County | $1,161 | $1,610 | 4 | |
| Tate County | $1,111 | $1,383 | 2 | |
| Forrest County | $1,109 | $1,447 | 41 | |
| Coahoma County | $1,099 | $1,487 | 19 | |
| Scott County | $1,089 | $1,508 | 3 | |
| Neshoba County | $1,060 | $1,413 | 5 | |
| Lincoln County | $1,041 | $1,396 | 7 | |
| Grenada County | $999 | $1,320 | 13 | |
| Simpson County | $993 | $1,308 | 7 | |
| Copiah County | $975 | $1,223 | 2 | |
| Covington County | $964 | $1,392 | 16 | |
| Perry County | $963 | $1,246 | 6 | |
| Rankin County | $961 | $1,292 | 133 | |
| Leflore County | $954 | $1,280 | 52 | |
| Panola County | $924 | $1,223 | 15 | |
| Calhoun County | $911 | $1,192 | 5 | |
| Attala County | $898 | $1,300 | 4 | |
| Walthall County | $888 | $1,270 | 3 | |
| Stone County | $873 | $1,177 | 6 | |
| Pontotoc County | $857 | $1,158 | 3 | |
| Monroe County | $850 | $1,106 | 22 | |
| Lowndes County | $848 | $1,151 | 57 | |
| Oktibbeha County | $817 | $1,143 | 21 | |
| Washington County | $816 | $1,085 | 134 | |
| Jasper County | $815 | $1,034 | 2 | |
| Sunflower County | $802 | $1,084 | 17 | |
| Pearl River County | $795 | $1,050 | 63 | |
| Bolivar County | $793 | $1,111 | 48 | |
| FIPS 28000 | $787 | $1,165 | 11 | |
| Lafayette County | $786 | $1,112 | 10 | |
| Madison County | $774 | $1,030 | 70 | |
| Humphreys County | $765 | $1,075 | 9 | |
| Clarke County | $764 | $1,011 | 6 | |
| Tallahatchie County | $761 | $1,002 | 7 | |
| Sharkey County | $748 | $1,033 | 26 | |
| Carroll County | $739 | $944 | 1 | |
| Chickasaw County | $738 | $1,056 | 2 | |
| Union County | $734 | $938 | 1 | |
| Warren County | $707 | $1,015 | 29 | |
| Wilkinson County | $696 | $1,061 | 4 | |
| Yazoo County | $661 | $981 | 33 | |
| Pike County | $651 | $890 | 9 | |
| Quitman County | $638 | $865 | 11 | |
| Greene County | $636 | $919 | 7 | |
| Claiborne County | $629 | $1,039 | 1 | |
| Montgomery County | $587 | $765 | 1 | |
| Leake County | $510 | $674 | 1 | |
| Wayne County | $495 | $881 | 1 | |
| Newton County | $485 | $757 | 2 | |
| Marion County | $483 | $760 | 19 | |
| Winston County | $463 | $618 | 3 | |
| Issaquena County | $425 | $731 | 20 |
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 (FimaNfipPolicies).
"Mississippi Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, May 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/mississippi
Related guides
Editorial context for reading these numbers — how NFIP coverage and pricing work in practice, and what a flood map does and doesn’t tell you.