Mississippi Flood Zones
Mississippi faces severe flood risk from Gulf Coast hurricane storm surge, Mississippi River flooding, and heavy rainfall events. The state was devastated by Hurricane Katrina's storm surge in 2005, and inland areas face recurring riverine flooding.
1 of 82 Mississippi counties are rated high or very high for inland flood risk by FEMA's National Risk Index. 22 communities participate in FEMA's Community Rating System, qualifying residents for flood insurance discounts of up to 20%.
FEMA Region
Region 4
Also covers Alabama, Florida, Georgia, +4 more
NFIP Policies
80,000
Mississippi Flood Risk Overview
County-level risk ratings from FEMA's National Risk Index across 82 Mississippi counties.
Inland Flood Risk
1 of 82 counties rated high or very high
Coastal Flood Risk
3 of 5 coastal counties rated high or very high
Hurricane Risk
4 of 82 counties rated high or very high
Source: FEMA National Risk Index, county-level assessment.
Federal Flood Disaster History
Mississippi has received 34 federal disaster declarations for flooding, hurricanes, severe storms, and coastal storms.
2020s
7
2010s
7
2000s
7
1990s
4
1980s
2
1970s
4
1960s
3
Recent Declarations
Showing 8 most recent of 34 total declarations.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims
Mississippi properties have filed 64,233 NFIP flood insurance claims totaling $3.1B in payouts since 1978. The average claim payout is $48K.
Claims by Decade
2020s
2,657
2010s
7,531
2000s
27,420
1990s
11,760
1980s
11,911
1970s
2,954
Highest-Claim Years
Claims by Flood Zone
Zone A
28,260
Zone X
15,138
Zone AE
14,553
Zone VE
626
Zone V
533
Zone AH
104
Zone D
44
Zone AHB
27
Source: OpenFEMA NFIP Claims API. Data sourced February 2026.
Flood Insurance Discounts in Mississippi
22 Mississippi communities participate in FEMA's Community Rating System (CRS), earning flood insurance premium discounts for residents in Special Flood Hazard Areas. CRS classes in Mississippi range from 6 to 9, with discounts from 5% to 20%.
Class 6 - 20% discount
D'iberville
Class 7 - 15% discount
Bay St.. Louis
Class 7 - 15% discount
Waveland
Class 7 - 15% discount
Class 8 - 10% discount
Oxford
Class 8 - 10% discount
Ridgeland
Class 8 - 10% discount
Starkville
Class 8 - 10% discount
Class 8 - 10% discount
Diamondhead
Class 8 - 10% discount
Gautier
Class 8 - 10% discount
Class 8 - 10% discount
+10 more Mississippi communities participate in CRS.
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only.
Look Up Any Mississippi Address
Enter a MS address to instantly check its FEMA flood zone designation, SFHA status, and insurance requirements.
Free Flood Zone LookupMississippi Cities
Explore flood zone information for major cities in Mississippi.
Mississippi Flood Zone FAQ
How do I check if my Mississippi property is in a flood zone?
Enter your MS address in FludZone's free lookup tool. We query FEMA's National Flood Hazard Layer in real-time to show your flood zone designation, whether flood insurance is required, and your property's risk level.
Do I need flood insurance in Mississippi?
If your Mississippi property is in a Special Flood Hazard Area (SFHA), meaning zones starting with A or V, and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not subject to the federal mandate but lenders may still require coverage, and it is often recommended given Mississippi's flood history.
What are the most common flood zones in Mississippi?
The most common FEMA flood zone designations in Mississippi are Zone AE, Zone VE, Zone A, Zone X. Each zone reflects a different level of flood risk, from high-risk areas where flood insurance is generally required for federally regulated or government-backed mortgages to lower-risk areas where coverage is optional but recommended.
Can I remove my Mississippi property from a flood zone?
Yes, if your Mississippi property's natural ground elevation was always above the Base Flood Elevation and FEMA inadvertently mapped it in the SFHA, you can apply for a Letter of Map Amendment (LOMA) through FEMA. If your property was raised above the BFE with fill, the process is a LOMR-F. Note that for coastal properties in VE zones, LOMAs are less common because wave action creates risks beyond still-water elevation. A successful LOMA generally removes the federal mandatory flood insurance requirement, but your lender may still choose to require coverage. You'll need an elevation certificate from a licensed surveyor.
Do any Mississippi communities offer flood insurance discounts?
Yes, 22 Mississippi communities participate in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for exceeding minimum flood mitigation standards. Residents in participating communities can receive NFIP premium discounts of up to 20% in the Special Flood Hazard Area. Properties outside the SFHA also benefit: CRS classes 1 through 6 receive a 10% discount, and classes 7 through 9 receive a 5% discount on NFIP premiums. Check your city's page on FludZone to see if your community participates.
Sources
This page summarizes information from FEMA and other official resources in plain language. For full technical details, see the links below.
- FEMA National Flood Hazard LayerDirect Source
The NFHL is the source of all flood zone data shown on this page.
- FEMA Map Service Center — Search by AddressDirect Source
Look up any address to view FIRM panels, FIS reports, and LOMCs.
- NFHL Data and Map StatusTopic Page
View NFHL coverage and data freshness by state and community.
- FEMA National Risk Index — Data ResourcesDirect Source
County-level risk scores for inland flooding, coastal flooding, and hurricane used in the Flood Risk Profile.
- OpenFEMA Disaster Declarations Summaries API v2Direct Source
Federal disaster declarations filtered for flood-related incident types (Flood, Hurricane, Severe Storm, Coastal Storm).
- OpenFEMA FIMA NFIP Claims API v2Direct Source
Historical NFIP flood insurance claims since 1978, aggregated by county and state. Includes claim counts, payouts, and flood zone breakdowns.
Sources last verified: February 2026
Understanding Flood Zones
Learn more about the FEMA flood zone designations common in Mississippi.