Flood insurance cost · Craighead County, AR

Flood insurance cost in Craighead County, Arkansas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 705 home policies in force on August 31, 2026.

Craighead County, ArkansasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$741a year

Half of insured homes paid between $585 and $1,008. That is 26% less than the Arkansas median ($1,003). The most common flood zone for insured homes here is zone A (46%).

$0$585 · $741 · $1,008$1,260

+7.1% vs Aug 31, 2025 (median $692)

705home policies in force

$843average cost (mean)

88%of insured homes in high-risk zones (A, V)

$175,000median 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.

Cost by flood zone in Craighead County

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$755	$558–$1,083	$859	302 (43%)	+2.9%
Zone A High risk	$723	$590–$944	$828	321 (46%)	+8.6%
Zone X Moderate to low risk	$772	$625–$1,034	$839	82 (12%)	+4.9%

Not shown (fewer than 10 home policies): VE, AO, AH, 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 Craighead County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	646	$734	$830
2–4 unit building	46	$1,106	$1,073
Manufactured (mobile) home	10	$670	$728
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.	12	$1,752	$1,704
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	189	$1,132	$1,365

Not shown (fewer than 10 policies): condo or apartment unit.

906NFIP policies in force, any building

906insured units (condo association policies count every unit)

35%of home policies also cover contents

$84,000median contents coverage, when bought

One year on: Craighead County

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, 2025	Aug 31, 2026	Change
Home policies in force	760	705	−7.2%
Median annual cost	$692	$741	+7.1%
Average annual cost	$787	$843	+7.1%
All policies in force (any building)	955	906	−5.1%

How many homes have flood insurance?

2.0%of all homes in Craighead County have an NFIP policy

–of homes in high-risk zones (special flood hazard area) have one

35,700residential buildings counted by FEMA

0of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Craighead County, Arkansas have filed 410 flood claims. 324 received a payment, for a total of $7,923,223 (an average of $24,454 per paid claim). The year with the most claims was 2016 (73 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (10)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2016	73	63	$3,159,780	$50,155
2009	35	30	$411,378	$13,713
2008	16	12	$161,731	$13,478
2002	32	27	$1,904,899	$70,552
2001	30	22	$239,925	$10,906
1997	50	43	$552,179	$12,841
1990	22	17	$99,837	$5,873
1988	20	16	$40,032	$2,502
1983	19	14	$25,252	$1,804
1978	13	<10	–	–

From 2016 to 2026: 73 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.

Main NFIP communities in the county

Jonesboro (456 home policies) · Unincorporated Craighead County (118 home policies) · Caraway (53 home policies) · Bay (50 home policies) · Bono (11 home policies)