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Claim or joinLegal name: LAL No. 2 Homeowners Association, Inc.
HOA · Ridgeland, MS
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A starting point for diligence, not a safety or compliance rating. Full flood, structural, and hazard detail is below.
Public record · Federal hazard-risk index, federal flood-hazard maps
Public record · Federal flood-hazard maps
Relatively Moderate composite risk for this neighborhood area · 64th percentile of MS neighborhood areas
26 federal disaster declarations for this county, including 9 hurricanes, most recent Feb 2026.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Participates in the federal flood insurance program · RIDGELAND, CITY OF
CRS class 8: community flood-mitigation rating, 1 is the strongest discount
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Annual change in ZIP 39157
2020 +0.8% · 2021 +5.6% · 2022 +17.4% · 2023 +7.6% · 2024 +2.2% · 2025 +1.0%
Area price appreciation for context, not an appraisal of this association or any unit. Its publisher labels the index developmental: it is built from conforming-mortgage data, and small housing markets are suppressed.
Public record · Federal house-price index · as of Mar 2026
Monthly HOA and condo fees reported by owners in this part of the state, from federal household survey estimates.
Peer context, not financial advice: area-level survey medians describe the market, not what any specific community should charge.
8% of nearby housing sits in 5+ unit buildings, most of it built in the 2010s.
Neighborhood-area figures, not the association itself. Useful as neighborhood context.
Public record · Federal community survey estimates
Common Elements directory
Most recent significant event in Madison County: Tornado, Jan 9, 2026.
County-level weather records from the federal storm-event database, for context. Each event is logged for a whole county or forecast zone, not for individual properties, so counts and damage estimates describe Madison County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Homeowners insurance in ZIP 39157 · 2022
Average premium changed +3.3% across the filed window (2018 to 2022).
ZIP-area averages from federal filings, not a quote for this building. Your rate depends on the building's construction, claims history, and coverage.
Public record · Federal homeowners-insurance filings · as of 2018 to 2022
A C E Thatch & Bamboo INC
McComb, MS
A&B Electric Co INC of Ms
Meridian, MS
Ab&H Construction LLC
Canton, MS
Advance Electric Co. of Mississippi INC.
Olive Branch, MS
Aladdin Construction Company, INC.
Biloxi, MS
Alarm Services Group Limited Liability Company
Southaven, MS
Verified vendor companies serving Madison County, MS. Listing only, not an endorsement.
Common Elements verified vendor directory
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Reviewed directory entry
On file as LAL No. 2 Homeowners Association, Inc.
Principal address · Legal name · 1 linked public record
Filed as shown; displayed as LAL No. 2 Homeowners Association, INC.
Source not recorded
Type
Geocoded from the address on file
Map location
Geocoded 2026-05-20
Names are shown in title case for readability. The string above is the name on file, unchanged.
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