Mississippi Home-Insurance Distress by County

Mississippi reads below the national norm for home-insurance distress — 82 counties averaging 28/100, 29th of 52 states.

6 of Mississippi's 82 counties score 70 or higher (severe).

Mississippi's reading rests on a FEMA hazard average of 23/100 and NFIP flood-claim stress of 41/100.

Over three years Mississippi counties filed 541 NFIP flood claims, $19,088,122 paid.

Highest in Mississippi: Hancock County 81/100 (#333 US), Harrison County 81/100 (#342 US), Stone County 79/100 (#376 US), Pearl River County 79/100 (#389 US), Covington County 77/100 (#444 US).

Mississippi counties by insurance band: 40 low (Mississippi), 20 medium, 20 zero, 2 high; Mississippi NFIP claims, three years: 541; Mississippi payouts $19.1 million.

Mississippi counties with the most NFIP claims: Harrison 155 ($7.6 million); Hancock 99 ($1.3 million); Jackson 42 ($917,034) in Mississippi; Pearl River 33 ($1.4 million); Lauderdale 24 ($990,153).

Mississippi county average rose: 21.1 in March 2026; Mississippi reads 28.1 in October 2026; Mississippi by month: March 21.1, April 21.1, May 20.4 (Mississippi), June 20.4, July 25.6, August 24.1 (Mississippi), September 24.3, October 28.1.

Highest Mississippi ZIPs, insurance distress: 34224 81 (climate 94), 31525 60 (climate 82) in Mississippi, 31522 60 (climate 82), 31524 60 (climate 82) in Mississippi, 31527 60 (climate 82), 31561 60 (climate 82) in Mississippi.

Reading the Mississippi bands: 2 of 82 Mississippi counties sit in a high or worse insurance band; Mississippi filed 541 NFIP claims in three years, $19.1 million paid to Mississippi policyholders; a Mississippi county's band moves when FEMA hazard revisions, new Mississippi NFIP settlements or carrier filings change its monthly score.