Menu

Flood insurance cost · AR

Flood insurance cost in Arkansas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 8,500 home policies in force on August 31, 2026.

ArkansasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,003a year

Half of insured homes paid between $728 and $1,331. That is 7% less than the national median ($1,082). The most common flood zone for insured homes here is zone AE (48%).

$0$728 · $1,003 · $1,331$1,664
+7.8% vs Aug 31, 2025 (median $930)
8,500home policies in force
$1,181average cost (mean)
76%of insured homes in high-risk zones (A, V)
$178,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: see FEMA declarations and IRS tax relief in Arkansas, county by county.

Cost by flood zone in Arkansas

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$1,059$768–$1,521$1,2934,045 (48%)+7.1%
Zone A
High risk		$917$677–$1,366$1,1802,065 (24%)+5.4%
Zone AO
High risk, shallow		$646$581–$764$682159 (2%)+15.8%
Zone AH
High risk, shallow		$972$760–$1,188$998172 (2%)+11.7%
Zone X
Moderate to low risk		$1,026$753–$1,238$1,0172,055 (24%)+10.4%

Not shown (fewer than 10 home policies): VE, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in Arkansas, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home7,451$1,011$1,190
2–4 unit building679$1,018$1,194
Manufactured (mobile) home298$911$1,021
Condo or apartment unit72$764$840
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		350$1,957$2,360
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		1,740$1,608$2,258
10,590NFIP policies in force, any building
10,801insured units (condo association policies count every unit)
47%of home policies also cover contents
$84,000median contents coverage, when bought

One year on: Arkansas

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force9,0858,500−6.4%
Median annual cost$930$1,003+7.8%
Average annual cost$1,099$1,181+7.5%
All policies in force (any building)11,26210,590−6.0%

Flood claims history

Since 1978, NFIP policyholders in Arkansas have filed 10,260 flood claims. 8,223 received a payment, for a total of $220.6 million (an average of $26,831 per paid claim). The year with the most claims was 2011 (1,158 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 293 claims, 251 paid, $2,123,223 in total1979: 170 claims, 121 paid, $525,617 in total1980: 102 claims, 86 paid, $534,121 in total19801981: 139 claims, 117 paid, $564,266 in total1982: 361 claims, 282 paid, $2,235,718 in total1983: 191 claims, 148 paid, $929,100 in total1984: 349 claims, 283 paid, $2,275,334 in total1985: 67 claims, 45 paid, $212,677 in total1986: 75 claims, 56 paid, $723,601 in total1987: 371 claims, 300 paid, $2,801,986 in total1988: 141 claims, 83 paid, $402,324 in total1989: 143 claims, 111 paid, $963,188 in total1990: 356 claims, 286 paid, $3,640,019 in total19901991: 238 claims, 199 paid, $1,598,206 in total1992: 21 claims, 10 paid, $18,972 in total1993: 44 claims, 32 paid, $813,758 in total1994: 83 claims, 70 paid, $586,992 in total1995: 28 claims, 20 paid, $154,584 in total1996: 46 claims, 31 paid, $345,387 in total1997: 199 claims, 162 paid, $2,013,874 in total1998: 118 claims, 90 paid, $1,316,192 in total1999: 41 claims, 30 paid, $238,914 in total2000: 38 claims, 28 paid, $411,148 in total20002001: 210 claims, 151 paid, $1,655,914 in total2002: 118 claims, 88 paid, $2,557,125 in total2003: 152 claims, 117 paid, $2,579,072 in total2004: 165 claims, 131 paid, $2,340,092 in total2005: 26 claims, 16 paid, $291,213 in total2006: 78 claims, 59 paid, $1,255,109 in total2007: 63 claims, 44 paid, $533,984 in total2008: 701 claims, 563 paid, $15,494,557 in total20082009: 687 claims, 565 paid, $15,629,012 in total20092010: 206 claims, 163 paid, $4,855,926 in total20102011: 1,158 claims, 962 paid, $30,773,036 in total20112012: 49 claims, 27 paid, $502,144 in total2013: 151 claims, 122 paid, $3,467,451 in total2014: 160 claims, 104 paid, $2,149,744 in total2015: 368 claims, 284 paid, $10,251,788 in total2016: 268 claims, 214 paid, $6,937,936 in total2017: 636 claims, 557 paid, $26,443,929 in total2018: 126 claims, 97 paid, $2,498,416 in total2019: 503 claims, 448 paid, $31,759,995 in total2020: 70 claims, 46 paid, $2,132,608 in total20202021: 154 claims, 131 paid, $4,650,583 in total2022: 150 claims, 119 paid, $5,548,611 in total2023: 85 claims, 59 paid, $2,649,683 in total2024: 81 claims, 65 paid, $4,135,537 in total2025: 269 claims, 244 paid, $14,023,176 in total2026: 12 claims
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202612<10––
2025269244$14,023,176$57,472
20248165$4,135,537$63,624
20238559$2,649,683$44,910
2022150119$5,548,611$46,627
2021154131$4,650,583$35,501
20207046$2,132,608$46,361
2019503448$31,759,995$70,893
201812697$2,498,416$25,757
2017636557$26,443,929$47,476
2016268214$6,937,936$32,420
2015368284$10,251,788$36,098
2014160104$2,149,744$20,671
2013151122$3,467,451$28,422
20124927$502,144$18,598
20111,158962$30,773,036$31,989
2010206163$4,855,926$29,791
2009687565$15,629,012$27,662
2008701563$15,494,557$27,521
20076344$533,984$12,136
20067859$1,255,109$21,273
20052616$291,213$18,201
2004165131$2,340,092$17,863
2003152117$2,579,072$22,043
200211888$2,557,125$29,058
2001210151$1,655,914$10,966
20003828$411,148$14,684
19994130$238,914$7,964
199811890$1,316,192$14,624
1997199162$2,013,874$12,431
19964631$345,387$11,142
19952820$154,584$7,729
19948370$586,992$8,386
19934432$813,758$25,430
19922110$18,972$1,897
1991238199$1,598,206$8,031
1990356286$3,640,019$12,727
1989143111$963,188$8,677
198814183$402,324$4,847
1987371300$2,801,986$9,340
19867556$723,601$12,921
19856745$212,677$4,726
1984349283$2,275,334$8,040
1983191148$929,100$6,278
1982361282$2,235,718$7,928
1981139117$564,266$4,823
198010286$534,121$6,211
1979170121$525,617$4,344
1978293251$2,123,223$8,459

From 2016 to 2026: 2,354 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in Arkansas

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Arkansas County88$844
Ashley County55$778
Baxter County66$1,208
Boone County11$1,002
Bradley County18$814
Clark County36$1,022
Conway County23$809
Crawford County99$1,379
Cross County82$731
Drew County32$754
Franklin County11$893
Fulton County10$1,542
Grant County16$1,086
Hot Spring County47$1,853
Howard County17$913
Independence County61$996
Izard County45$1,374
Johnson County46$684
Lawrence County86$1,255
Lee County62$818
Lincoln County41$799
Logan County11$874
Marion County11$1,310
Montgomery County43$1,312
Ouachita County34$1,018
Perry County29$1,099
Pike County22$1,349
Poinsett County61$668
Polk County10$1,008
Pope County66$1,288
Prairie County34$1,080
Randolph County84$1,311
Sevier County20$1,062
Sharp County55$1,420
St. Francis County78$858
Union County73$1,005
Van Buren County18$1,332
Woodruff County29$1,011
Yell County16$834

ZIP codes with the most insured homes