Short answer: The Mississippi Emergency Management Agency is the designated state agency for the NFIP, working with participating communities and those in the Community Rating System. MEMA describes flood zones in three tiers (low X, moderate shaded X, high A, AE, V and VE) and lists the local activities that need floodplain review, from new homes and additions to manufactured homes, RV storage and stream alteration.
This guide is general information for Mississippi property owners and renters about flood risk and the National Flood Insurance Program. It isn't a coverage determination. FEMA maps, your community's floodplain ordinance and your policy wording control.
MEMA and flood zones
Per MEMA's Floodplain Management page, MEMA is the designated state agency for the NFIP. It summarizes zones as:
- Low: X zones
- Moderate: shaded X zones
- High: A, AE, V and VE zones
What needs a local floodplain permit
MEMA lists local floodplain management activities that include residential and non-residential construction, additions, manufactured home installation, subdivisions, detached and accessory structures, parking or storing RVs, roads, bridges and culverts, stream alteration, and substantial damage or improvement assessments for structures in the Special Flood Hazard Area. After a flood, a substantial-damage finding can require bringing the home up to current elevation rules, so ask about Increased Cost of Compliance coverage on your NFIP policy.
Coverage
Coastal surge and river flooding aren't covered by homeowners policies. Quote NFIP through FloodSmart; most new policies wait 30 days.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Mississippi.
Frequently asked questions
Who is Mississippi's NFIP state agency?
The Mississippi Emergency Management Agency (MEMA).
Which Mississippi zones are high risk?
A, AE, V and VE zones, per MEMA.
Does storing an RV in a Mississippi floodplain need review?
MEMA lists parking or storing RVs among local floodplain management activities, so check with your local administrator.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.