Flood Claims Map

Mississippi

Flood insurance claims in Pearl River County, Mississippi

FEMA records 828 National Flood Insurance Program claims in Pearl River County, Mississippi, since 1978, with $18.1 million paid in total. The year with the most claims was 2005, with 158. As of 3 August 2026, 2.6% of homes here had an NFIP policy, and 17.7% of homes in the high-risk flood zone did.

NFIP claims on record828
Total paid$18.1 million
Claims with a payment639
Homes with NFIP policy2.6%
High-risk zone homes insured17.7%
Residential policies in force642

Claims by year of loss

1978: 219781979: 31980: 311981: 111982: 119821983: 471984: 01985: 31986: 019861987: 11988: 21989: 11990: 219901991: 91992: 31993: 491994: 019941995: 561996: 291997: 31998: 4919981999: 02000: 02001: 282002: 1520022003: 92004: 142005: 1582006: 020062007: 232008: 02009: 82010: 020102011: 52012: 1372013: 22014: 120142015: 22016: 372017: 12018: 220182019: 232020: 22021: 262022: 020222023: 02024: 72025: 02026: 262026158

NFIP claims by year of loss, Pearl River County, Mississippi

1978: $7,92419781979: $4121980: $209,9391981: $114,3391982: $019821983: $883,9811984: $01985: $12,5701986: $019861987: $7,4051988: $14,9941989: $11,4951990: $26,74619901991: $27,0941992: $7,5291993: $918,9681994: $019941995: $631,4641996: $167,7241997: $01998: $299,59619981999: $02000: $02001: $226,0562002: $203,34920022003: $52,0982004: $288,8412005: $3.1 million2006: $020062007: $360,7132008: $02009: $55,8882010: $020102011: $64,1702012: $5.6 million2013: $4,7832014: $020142015: $24,1742016: $892,0782017: $02018: $020182019: $1.8 million2020: $25,9952021: $648,2392022: $020222023: $02024: $79,1642025: $02026: $1.3 million2026$5.6 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Katrina146
Hurricane Isaac134
Flooding57
Late winter severe storms32
2026-06-Arthur-TS24
Tropical Storm Allison18
Hurricane Ida15
Tropical Storm Isidore11

ZIP codes with the most claims

ZIP code (as reported)Claims
39466609
39470118
3942687
394554
394573
396002
394632

500 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $14.4 million, contents $3.6 million, increased cost of compliance $167,638.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,92634117.7%
All homes24,3606422.6%

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.