Water Risk Profile — ZIP 39501
Flood risk, local cost data, climate factors, and insurance context for your ZIP code.
Flood Risk
High
Cost Range
$1,725–$9,775
Avg Response
42 min
NFIP
State participates
Local Climate & Risk Factors
Gulfport area water damage risks include Mississippi's tropical weather season and the state's high annual rainfall. The Mississippi River corridor (Natchez, Vicksburg, Greenville) faces river flooding from snowmelt events far upstream in the Missouri-Mississippi watershed — spring floods reach Zone AE designations in many river communities. Mississippi's humidity creates conditions where pipe leaks that go undetected for even 24 hours can establish mold colonies. Central heating failures during rare Mississippi cold events (below 20°F) can cause rapid pipe freeze damage in homes built without the freeze-resistance measures common in northern states.
Flood-prone areas: The beachfront corridor along US-90 from Pass Road to Veterans Avenue represents Gulfport's highest storm surge exposure zone, and many structures rebuilt post-Katrina remain vulnerable to future major storms with surge exceeding their base flood elevation. The Sunkist Country Club neighborhood, located along Bayou Bernard several miles inland, experienced significant flooding from both bayou overflow and stormwater backflow during Katrina and has recorded subsequent flooding during moderate tropical events.
Water Category Cost Table — Gulfport, MS
Extraction & drying cost per square foot by IICRC water category
| Water Category | $/sq ft |
|---|---|
| Category 1 — Clean Burst supply line, clean appliance overflow | $3.15–$7.74 |
| Category 2 — Gray Dishwasher, washing machine, toilet bowl (no feces) | $7.74–$9.37 |
| Category 3 — Black Sewage backup, floodwater, toilet overflow with feces | $11–$13.86 |
Estimates exclude reconstruction (drywall, flooring replacement). National benchmarks: Cat 1 $3.75–$4.25, Cat 2 $4.10–$6.50, Cat 3 $7–$7.50/sq ft — adjusted for Gulfport market (3.7–12.6/sq ft range).