As a coastal community, the City of Pascagoula is prone to flooding. These pages are designed to share information and resources that you can use to prepare and recover from a storm or flood.

Elevation Certificates

Properties located within a Special Flood Hazard Area (or Flood Zone) may require an Elevation Certificate before work may be done on the structure.  This certificate determines if a structure is located above or below the Base Flood Elevation (BFE).  The City Of Pascagoula has Elevation Certificates on file for many of the properties in our city, and a copy may be obtained from this office.  If an Elevation Certificate does not exist for the property, then it is likely one will be required before improvements are allowed.

Flood Information

The City of Pascagoula is a member of the National Flood Insurance Program (NFIP) and participates in the Community Rating System (CRS). A great portion of Pascagoula is located within designated FEMA Flood Zones and the City is currently rated a CRS Class 7.

National Flood Insurance Program (NFIP)

The City Of Pascagoula participates in the National Flood Insurance Program. The NFIP makes federally backed flood insurance available for all buildings, whether they are in a floodplain or not. Flood insurance covers direct losses caused by surface flooding, including the Gulf of Mexico flowing over its banks, a lake or ocean storm and local drainage problems.

The NFIP insures buildings, including mobile homes, with two types of coverage:

1. Structural
   Structural coverage is for the walls, floors, insulation, furnace and other items permanently attached to the structure.
2. Contents
   Contents coverage may be purchased separately provided the contents are in an insurable building.

Repetitive Loss Properties

A repetitive loss property is one for which two or more claims of at least $1,000 have been paid by the NFIP for flood loss since 1978.

The City of Pascagoula provides public information to assist residents with flood protection. The Code Enforcement Department offers the following services:

• Information determining if a property is flood prone, including flood elevation or depths; and data on the history of flooding where available.
• Site visits to advise property owners on appropriate flood protection measures
• The reviewing and critique of retrofitting plans for flood prone buildings

As an owner of a repetitive loss property you will also receive information and brochures as they are made available to us to further assist you on flood proofing your property.