Flood insurance claims in Covington County, Mississippi

FEMA records 71 National Flood Insurance Program claims in Covington County, Mississippi, since 1979, with $936,696 paid in total. The year with the most claims was 1990, with 15. As of 3 August 2026, 0.7% of homes here had an NFIP policy, and 7.6% of homes in the high-risk flood zone did.

NFIP claims on record71

Total paid$936,696

Claims with a payment58

Homes with NFIP policy0.7%

High-risk zone homes insured7.6%

Residential policies in force54

Claims by year of loss

NFIP claims by year of loss, Covington County, Mississippi

Paid on claims by year of loss (building, contents and increased cost of compliance), Covington County, Mississippi

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	19
Late winter severe storms	6
Hurricane Katrina	3
2026-06-Arthur-TS	1
Hurricane Ida	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
39479	31
39428	19
39119	11
39482	2
39401	2
39402	2
39168	1

44 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $725,016, contents $211,680, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	608	46	7.6%
All homes	7,645	54	0.7%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.