Flood insurance claims in Humphreys County, Mississippi

FEMA records 343 National Flood Insurance Program claims in Humphreys County, Mississippi, since 1979, with $3.9 million paid in total. The year with the most claims was 1982, with 55. As of 3 August 2026, 3.1% of homes here had an NFIP policy, and 15.5% of homes in the high-risk flood zone did.

NFIP claims on record343

Total paid$3.9 million

Claims with a payment288

Homes with NFIP policy3.1%

High-risk zone homes insured15.5%

Residential policies in force99

Claims by year of loss

NFIP claims by year of loss, Humphreys County, Mississippi

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

Named flood events with the most claims

Event (FEMA name)	Claims
Mid-spring storms	25
Flooding	24
Tropical Storm Isidore	2
Hurricane Katrina	2

ZIP codes with the most claims

ZIP code (as reported)	Claims
39038	251
39194	52
39097	25
38754	8
39166	4

189 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.2 million, contents $629,763, increased cost of compliance $60,000.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	381	59	15.5%
All homes	3,215	99	3.1%

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.