Flood Claims Map

Mississippi

Flood insurance claims in Lauderdale County, Mississippi

FEMA records 292 National Flood Insurance Program claims in Lauderdale County, Mississippi, since 1979, with $4.4 million paid in total. The year with the most claims was 2003, with 66. As of 3 August 2026, 1.1% of homes here had an NFIP policy, and 18.7% of homes in the high-risk flood zone did.

NFIP claims on record292
Total paid$4.4 million
Claims with a payment206
Homes with NFIP policy1.1%
High-risk zone homes insured18.7%
Residential policies in force354

Claims by year of loss

1979: 3119791980: 131981: 01982: 31983: 519831984: 31985: 21986: 11987: 719871988: 11989: 11990: 491991: 819911992: 11993: 21994: 11995: 019951996: 01997: 21998: 81999: 019992000: 02001: 62002: 12003: 6620032004: 172005: 102006: 32007: 020072008: 02009: 12010: 02011: 120112012: 12013: 02014: 32015: 120152016: 22017: 52018: 12019: 120192020: 12021: 42022: 32023: 320232024: 32025: 02026: 2166

NFIP claims by year of loss, Lauderdale County, Mississippi

1979: $313,28719791980: $35,8441981: $01982: $9,5901983: $20,96819831984: $5,9711985: $6341986: $5831987: $39,35819871988: $01989: $1,9011990: $782,4241991: $39,81719911992: $01993: $01994: $12,2541995: $019951996: $01997: $10,4291998: $70,5411999: $019992000: $02001: $39,4812002: $5,1152003: $1.4 million20032004: $102,3432005: $65,3682006: $49,2302007: $020072008: $02009: $02010: $02011: $18,92720112012: $2,8472013: $02014: $22,2042015: $5,54520152016: $02017: $61,3572018: $1,5982019: $020192020: $14,3602021: $29,7132022: $32,5862023: $226,28820232024: $34,1442025: $02026: $956,009$1.4 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding20
Hurricane Katrina7
Hurricane Ivan2
Mid-spring storms1
Hurricane Elena1
2026-06-Arthur-TS1

ZIP codes with the most claims

ZIP code (as reported)Claims
39305101
3930191
3930770
3934210
393027
393357
393252
393641
393301
393231

197 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.4 million, contents $937,709, increased cost of compliance $43,402.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,50128018.7%
All homes31,4473541.1%

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

  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.