As Hurricane Season Approaches, Play It Safe: Get Flood Insurance

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Release date: 
May 28, 2009
Release Number: 

BILOXI, Miss. -- With hurricane season less than a week away, the Federal Emergency Management Agency and Mississippi Emergency Management Agency encourage Mississippians to consider protecting their homes, businesses and valuables with a flood insurance policy.

And the sooner the better. There is a 30-day waiting period before a newly-purchased policy becomes effective.

"With another hurricane season upon us, flood insurance coverage is one way residents and business owners in Mississippi can be better prepared for future storms as we continue the recovery and rebuilding process following Hurricane Katrina," said Alec Watson, acting director of FEMA's Mississippi Transitional Office.

The only requirement for purchasing a policy is that the policyholder resides in a community participating in FEMA's National Flood Insurance Program.

Flood insurance is available to homeowners, business owners and renters. Policies offer up to $250,000 in building coverage and $100,000 in contents coverage for homeowners and up to $500,000 for business owners at an average cost of $550 per year. Premiums are substantially less in moderate and low flood risk zones.

To purchase flood insurance, residents should contact their insurance agents. To locate an agent who sells flood insurance in your area, go to and enter your home address into the One-Step Flood Risk Profile. This online tool will also estimate your level of risk as well as your premium.

A risk profile is only meant to be used as an advisory tool for general flood hazard awareness and education. Do not use this information to make final decisions regarding the purchase of flood insurance. If your home has been mortgaged, your lender will make that determination.

To determine your actual flood risk, go to FEMA's Map Service Center and view the latest flood map for your community. To view a physical copy of the map, contact the floodplain administrator in your local building and permits department. A Flood Insurance Rate Map is the best source for determining your flood risk.

"The entire state of Mississippi is a mapped flood zone, with low, moderate, and high risk zones," said MEMA Director Mike Womack.  "Every individual is urged to find out what their flood risk is."

For questions concerning coverage, contact your local insurance agents or the NFIP Call Center in Biloxi, Miss. at 1-866-925-8789. To determine if your community participates in the NFIP, go to

Bay St. Louis Biloxi
Josh Hayes Richard Stickler
Jennifer Patin 228-435-6280
228-466-5517 676 Dr. Martin Luther King Jr.
688 U.S. Highway 90 Blvd.
Bay St. Louis, MS 39520 Biloxi, MS 39533
D'Iberville Gautier
Hank Rogers Paul Fox
228-392-7966 228-497-1878
10383 Automall Pkwy. 3305 Gautier-Vancleave Rd.
D'iberville, MS 39540 Gautier, MS 39553
Gulfport Hancock County
Jonathan Smith Jerry Beaugez
228-868-5790 Terry Snell
1410 24th Avenue 228-467-4157
Gulfport, MS 39501 3...
Last Updated: 
July 16, 2012 - 18:46
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