Jackson, MS Flood Zone Map
Last updated: August 2026
Jackson faces flooding from the Pearl River, which reached catastrophic levels in 1979 and again in 2020. The Ross Barnett Reservoir provides some flood control, but the city remains highly vulnerable to major flood events.
Hinds County has recorded 4,716 NFIP flood insurance claims since 1978, totaling $70.7M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 4
NFIP Policies
3,021
Hinds County
Avg. Premium
$1,602/yr
Hinds County
NFIP Flood Insurance Claims: Hinds County
Properties in Hinds County have filed 4,716 NFIP flood insurance claims totaling $70.7M in payouts since 1978. The average claim payout is $15K.
Highest-Claim Years
1983
1,458 claims - $22.4M
1979
656 claims - $13.6M
2003
441 claims - $10.5M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced August 2026. See national claims data.
Flood Insurance Coverage: Hinds County
Only roughly 1 in 30 households in Hinds County carries NFIP flood insurance (3% of estimated households). With 204 recorded flood events and $33.4M in damage, most flood losses in this county are likely uninsured.
Penetration Rate
3%
roughly 1 in 30 households
Historical Claims Ratio
1 in 1
4,716 claims over 45+ years across 3,021 current policies
Avg. Claim Payout
$15,001
Per claim, county-wide since 1978
Historically, Hinds County has averaged 1.6 claims for every active policy (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of August 2026, claims since 1978 (August 2026), population from FEMA NRI. All figures are county-wide and include Jackson.
Not sure whether you're required to carry it? See do I need flood insurance?, or compare NFIP vs. private flood insurance.
Repetitive Loss Properties: Hinds County
Hinds County has 489 properties with multiple flood insurance losses, including 36 severe repetitive loss properties. 1 properties have received FEMA mitigation funding. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced August 2026.
Multiple Loss
489
2+ claims within 10 years
Severe Repetitive Loss
36
4+ claims or 2 exceeding value
Mitigated
1
Received FEMA mitigation
By Flood Zone
Zone data available for 480 of 489 properties.
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced August 2026.
Federal Flood Disaster History: Hinds County
Hinds County has been included in 10 federal flood-related disaster declarations.
...and 2 earlier declarations since 1969.
These declarations affected communities across Hinds County, including Jackson.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced August 2026.
Recorded Flood Events: Hinds County
NOAA has recorded 204 flood events in Hinds County since 1996, causing $33.4M in damage.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced August 2026.
Flood Mitigation: Hinds County
FEMA has funded mitigation for 142 properties in Hinds County, investing $5.6M in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced August 2026. FEMA records a total payment per grant rather than per property, so the dollar figure is an estimate that splits each grant across the properties it covers; the property count is exact.
Levee Protection: Jackson
The USACE National Levee Database lists 4 levee systems protecting parts of Jackson. A system's FEMA accreditation status determines how its protected area is mapped: accredited levees are typically mapped as Zone X, while non-accredited or provisionally accredited systems generally leave their protected area in the Special Flood Hazard Area (often Zone AR or A99) until certification is complete.
East Jackson MS
AccreditedProtects against: Pearl River - Sponsor: Rankin-Hinds Pearl R. Flood&Drain Control Dist. - 13.08 sq mi protected
Jackson Fairgrounds MS
AccreditedProtects against: Pearl River - Sponsor: Rankin-Hinds Pearl R. Flood&Drain Control Dist. - 0.89 sq mi protected
Brashear Creek Levee
Non-AccreditedProtects against: Brashear Creek - Sponsor: Rankin-Hinds Pearl R. Flood&Drain Control Dist. - 0.36 sq mi protected
Jackson Wastewater Treatment Facility
Non-AccreditedProtects against: Pearl River - 0.26 sq mi protected
Source: USACE National Levee Database. Data sourced August 2026. Learn how levees affect flood zone mapping.
FEMA Flood Risk Profile: Hinds County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively HighEst. annual loss: $56.4M
Hurricane Risk
Relatively ModerateEst. annual loss: $3.4M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
What Your Flood Zone Means in Jackson
Jackson faces flood risk primarily from river and stream overflow during heavy rainfall, snowmelt, or upstream dam releases. When rivers exceed their banks, floodwaters spread across low-lying areas mapped in AE and A zones. The most common FEMA flood zone designations in Jackson are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $56.4M.
Riverine flood risk in Jackson is driven by the proximity and elevation of properties relative to nearby waterways. Properties closer to rivers with lower ground elevations typically face higher flood insurance premiums under FEMA's Risk Rating 2.0. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
River flood maps can change when FEMA conducts new Flood Insurance Studies or when development alters drainage patterns. Letters of Map Amendment (LOMA) can remove individual properties if the natural ground elevation was always above the Base Flood Elevation and the property was inadvertently mapped in the SFHA. Use our free lookup tool to check the current flood zone for any Jackson address.
Jackson, MS Flood Zone FAQ
What flood zones are in Jackson, MS?
The most common FEMA flood zones in Jackson are Zone AE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Jackson?
If your Jackson property is in a Special Flood Hazard Area (SFHA) 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 federally required to carry flood insurance, though coverage is still recommended since about a quarter of all NFIP flood claims come from properties outside high-risk zones.
How do I check my flood zone in Jackson?
Enter your Jackson address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
How high is flood risk in Jackson?
According to FEMA's National Risk Index, Hinds County (where Jackson is located) has a "Relatively High" rating for inland flood risk. The estimated annual flood loss for the county is $56.4M. This county-level assessment considers historical flood losses, social vulnerability, and community resilience.
Has Jackson experienced major flooding events?
Hinds County, where Jackson is located, has been part of 10 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Hurricane Ida in 2021. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Jackson?
Hinds County has recorded 4,716 NFIP flood insurance claims totaling $70.7M in payouts since 1978. The year with the most claims was 1983, with 1,458 claims and $22.4M in payouts. These figures cover all NFIP claims in the county, including Jackson.
How many flood insurance policies are there in Jackson?
Hinds County had 3,021 NFIP flood insurance policies written or renewed over the trailing 13 months, with an average annual premium of $1,602. The most policies are in Zone AE (2,526 policies). These are county-level counts of policies written or renewed in the trailing 13 months, not a point-in-time count of policies in force - a policy renewed inside that window is counted twice.
How many Jackson properties have flooded repeatedly?
Hinds County has 489 properties with multiple flood losses on record, including 36 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Is Jackson protected by a levee?
Yes. The USACE National Levee Database lists 4 levee systems protecting parts of Jackson. Some of these are FEMA-accredited and some are not - accreditation status varies by system, and only the accredited ones map their protected area as Zone X. Levee protection is system-specific, not city-wide - check the address search above for the zone at a specific property.
Can my Jackson property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Jackson?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Jackson's Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
Other Mississippi Cities
Understanding Flood Zones
See the Flood Map for Any Jackson, MS Address
Enter a Jackson, MS address to view its FEMA flood map, zone designation, SFHA status, and insurance requirements.
Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on August 2026 and may not reflect the most recent changes. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.