Flood Claims Map

Mississippi

Flood insurance claims in DeSoto County, Mississippi

FEMA records 280 National Flood Insurance Program claims in DeSoto County, Mississippi, since 1978, with $6.7 million paid in total. The year with the most claims was 2014, with 57. As of 3 August 2026, 0.8% of homes here had an NFIP policy, and 34.2% of homes in the high-risk flood zone did.

NFIP claims on record280
Total paid$6.7 million
Claims with a payment239
Homes with NFIP policy0.8%
High-risk zone homes insured34.2%
Residential policies in force467

Claims by year of loss

1978: 319781979: 71980: 21981: 11982: 219821983: 71984: 01985: 21986: 119861987: 31988: 41989: 01990: 119901991: 11992: 211993: 51994: 319941995: 11996: 21997: 31998: 319981999: 32000: 02001: 72002: 620022003: 02004: 12005: 102006: 020062007: 22008: 32009: 52010: 220102011: 182012: 62013: 452014: 5720142015: 42016: 52017: 32018: 020182019: 122020: 32021: 22022: 420222023: 22024: 32025: 557

NFIP claims by year of loss, DeSoto County, Mississippi

1978: $78519781979: $28,0181980: $10,0001981: $16,5481982: $5,75819821983: $15,3471984: $01985: $13,0681986: $019861987: $3,9381988: $26,8351989: $01990: $1,52419901991: $1,0251992: $120,5101993: $114,5201994: $6,82919941995: $01996: $8,5161997: $25,8151998: $16,52219981999: $6,0792000: $02001: $36,5642002: $20,69420022003: $02004: $35,7732005: $246,2412006: $020062007: $23,2572008: $20,3482009: $10,8882010: $76,78820102011: $470,0812012: $109,5252013: $1.7 million2014: $2.2 million20142015: $19,2452016: $55,3392017: $8,6182018: $020182019: $824,4782020: $122,0622021: $66,9512022: $33,15520222023: $10,6272024: $165,4432025: $58,575$2.2 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Mid-spring storms17
Flooding6
Hurricane Isaac5
Late winter severe storms3
Tropical Storm Isidore1
Hurricane Katrina1

ZIP codes with the most claims

ZIP code (as reported)Claims
38671100
3863792
3865453
3865111
3863210
386115
386805
386723

131 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $5.7 million, contents $926,185, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone82128134.2%
All homes59,2114670.8%

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

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

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.