Flood insurance claims in Lowndes County, Mississippi

FEMA records 1,186 National Flood Insurance Program claims in Lowndes County, Mississippi, since 1978, with $7.2 million paid in total. The year with the most claims was 1983, with 253. As of 3 August 2026, 2.5% of homes here had an NFIP policy, and 17.5% of homes in the high-risk flood zone did.

NFIP claims on record1,186

Total paid$7.2 million

Claims with a payment931

Homes with NFIP policy2.5%

High-risk zone homes insured17.5%

Residential policies in force594

Claims by year of loss

NFIP claims by year of loss, Lowndes County, Mississippi

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	470
Hurricane Katrina	14
Mid-spring storms	2
Tropical Storm Allison	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
39701	574
39702	422
39705	72
39703	34
39766	29
39704	19
39560	1

972 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $5.6 million, contents $1.6 million, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	2,945	514	17.5%
All homes	23,371	594	2.5%

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.