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Every building within the state of Mississippi is located within a mapped flood zone some zones are low risk, some moderate, and some are designated as high risk.
While there is no state requirement by law, those in a high-risk flood zone must purchase flood insurance if they wish to obtain a federally-backed mortgage loan. Your mortgage lender may have their own requirements about flood insurance if you live in a moderate-risk area as well.
Flood zone X, also known as flood zone X500, is arguably the safest flood zone designation, as its considered to be outside the 500-year floodplain and is also protected by a flood control system, such as a levee or dam, from the 100-year floodplain.
If you live in a flood plain, a Flood Insurance policy is an affordable way to prevent huge weather-related losses. Mississippi Farm Bureau Casualty Insurance sells and services flood insurance policies through the National Flood Insurance Program (NFIP).
The average cost of flood insurance through the NFIP is $771 per year, but the amount you pay depends on your location.How much does flood insurance cost in my state? StateAlabamaMississippiAnnual$743$852Monthly$62$71% of homes with flood insurance3.2%6.4%51 more columns Oct 17, 2022

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Page 26. MISSISSIPPI QUICK GUIDE. 25. FLOOD HAZARD ZONES. Zone A and Zone AE are subject to flooding by the base or 100-year flood (1% annual chance), and waves less than 3 feet.
The average cost of flood insurance through the NFIP is $771 per year, but the amount you pay depends on your location.How much does flood insurance cost in my state? StateAlabamaMississippiAnnual$743$852Monthly$62$71% of homes with flood insurance3.2%6.4%51 more columns
Flood insurance is not required for homeowners unless you live in a high-risk flood zone. However, many homeowners who have flood damage dont live in flood zones or have flood insurance.
An Elevation Certificate (EC) is an administrative tool used by the NFIP to provide elevation information necessary to ensure compliance with community floodplain management ordinances; to inform mitigation actions that will lower flood risk; and/or support a request for a LOMA to remove a building from a high-risk
While there is no state requirement by law, those in a high-risk flood zone must purchase flood insurance if they wish to obtain a federally-backed mortgage loan. Your mortgage lender may have their own requirements about flood insurance if you live in a moderate-risk area as well.

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