Data · June 2026 data · 14-month trend
Mississippi Flood Insurance Costs
In June 2026, the average premium among Mississippi NFIP policies newly written or renewed that month was $1,237. Against a national average of $1,001, the state sits 23.5% higher. Costs have risen 10.0% year over year. The month's tally covers 5,014 policy transactions across 76 counties, with Tippah County posting the highest average premium at $3,070.
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 — June 2026
- Average premium
- $1,237
- Avg total cost (with fees)
- $1,601
- Change (year over year)
- +10.0%
- vs national average
- +23.5%
- Policies written or renewed
- 5,014
- Counties reporting
- 76
Mississippi trend, last 14 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 |
County breakdown — June 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 |
|---|---|---|---|---|
| Tippah County | $3,070 | $3,695 | 1 | |
| Walthall County | $2,107 | $2,727 | 8 | |
| Covington County | $1,757 | $2,220 | 3 | |
| Franklin County | $1,574 | $1,929 | 1 | |
| Tishomingo County | $1,497 | $1,951 | 2 | |
| Adams County | $1,396 | $1,795 | 3 | |
| Hinds County | $1,393 | $1,760 | 224 | |
| Hancock County | $1,379 | $1,797 | 868 | |
| Lincoln County | $1,377 | $1,866 | 4 | |
| Jackson County | $1,364 | $1,731 | 1,288 | |
| Pike County | $1,350 | $1,782 | 23 | |
| Newton County | $1,344 | $1,658 | 1 | |
| Stone County | $1,319 | $1,703 | 3 | |
| Harrison County | $1,298 | $1,668 | 1,446 | |
| Lauderdale County | $1,285 | $1,660 | 41 | |
| Copiah County | $1,271 | $1,684 | 2 | |
| Simpson County | $1,193 | $1,545 | 7 | |
| Noxubee County | $1,188 | $1,474 | 1 | |
| Lawrence County | $1,166 | $1,616 | 4 | |
| Humphreys County | $1,156 | $1,536 | 9 | |
| Union County | $1,142 | $1,595 | 9 | |
| Neshoba County | $1,128 | $1,459 | 4 | |
| Itawamba County | $1,119 | $1,505 | 2 | |
| Lee County | $1,085 | $1,447 | 19 | |
| Jones County | $1,085 | $1,397 | 15 | |
| Lamar County | $1,076 | $1,385 | 26 | |
| Wilkinson County | $1,070 | $1,447 | 2 | |
| Leflore County | $1,044 | $1,356 | 30 | |
| Rankin County | $991 | $1,342 | 108 | |
| George County | $982 | $1,276 | 10 | |
| Pontotoc County | $980 | $1,228 | 2 | |
| Scott County | $971 | $1,398 | 5 | |
| Monroe County | $968 | $1,259 | 20 | |
| Clay County | $961 | $1,298 | 17 | |
| Alcorn County | $954 | $1,390 | 7 | |
| Clarke County | $948 | $1,247 | 4 | |
| Sunflower County | $941 | $1,257 | 15 | |
| DeSoto County | $922 | $1,218 | 47 | |
| Wayne County | $905 | $1,139 | 2 | |
| Forrest County | $900 | $1,234 | 56 | |
| Carroll County | $889 | $1,290 | 4 | |
| Leake County | $886 | $1,230 | 2 | |
| Warren County | $879 | $1,218 | 31 | |
| Lowndes County | $878 | $1,237 | 75 | |
| Grenada County | $873 | $1,192 | 20 | |
| Bolivar County | $848 | $1,148 | 30 | |
| Issaquena County | $835 | $1,231 | 22 | |
| Coahoma County | $814 | $1,098 | 17 | |
| Pearl River County | $808 | $1,044 | 62 | |
| Marion County | $804 | $1,054 | 20 | |
| Panola County | $802 | $1,068 | 9 | |
| Washington County | $790 | $1,044 | 114 | |
| Perry County | $789 | $1,059 | 4 | |
| Calhoun County | $771 | $1,132 | 3 | |
| Tunica County | $762 | $1,027 | 4 | |
| Greene County | $737 | $1,076 | 5 | |
| Benton County | $732 | $1,161 | 1 | |
| Madison County | $732 | $1,019 | 81 | |
| Yalobusha County | $722 | $924 | 1 | |
| Quitman County | $712 | $961 | 14 | |
| Attala County | $705 | $904 | 1 | |
| FIPS 28000 | $702 | $1,125 | 2 | |
| Smith County | $680 | $986 | 2 | |
| Lafayette County | $678 | $985 | 8 | |
| Yazoo County | $668 | $936 | 30 | |
| Marshall County | $634 | $866 | 5 | |
| Holmes County | $605 | $989 | 10 | |
| Winston County | $599 | $779 | 1 | |
| Jasper County | $593 | $847 | 3 | |
| Tallahatchie County | $586 | $854 | 5 | |
| Tate County | $584 | $889 | 7 | |
| Prentiss County | $555 | $952 | 1 | |
| Sharkey County | $542 | $859 | 23 | |
| Oktibbeha County | $505 | $746 | 56 | |
| Jefferson Davis County | $377 | $517 | 1 | |
| Choctaw County | $252 | $369 | 1 |
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, June 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.