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Flood insurance cost · Crittenden County, AR

Flood insurance cost in Crittenden County, Arkansas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 317 home policies in force on August 31, 2026.

Crittenden County, ArkansasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,100a year

Half of insured homes paid between $912 and $1,269. That is 10% more than the Arkansas median ($1,003). Most insured homes here are rated in zone X (60%).

$0$912 · $1,100 · $1,269$1,586
+8.2% vs Aug 31, 2025 (median $1,017)
317home policies in force
$1,135average cost (mean)
40%of insured homes in high-risk zones (A, V)
$150,000median 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 Crittenden 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 zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$1,234$1,071–$1,466$1,38057 (18%)+3.9%
Zone A
High risk		$1,029$831–$1,330$1,07869 (22%)+1.8%
Zone X
Moderate to low risk		$1,083$945–$1,252$1,082191 (60%)+11.0%

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 Crittenden County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home265$1,084$1,123
2–4 unit building44$1,150$1,172
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.		29$1,305$1,369
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		51$1,922$2,222

Not shown (fewer than 10 policies): manufactured (mobile) home, condo or apartment unit.

397NFIP policies in force, any building
397insured units (condo association policies count every unit)
50%of home policies also cover contents
$99,000median contents coverage, when bought

One year on: Crittenden 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, 2025Aug 31, 2026Change
Home policies in force350317−9.4%
Median annual cost$1,017$1,100+8.2%
Average annual cost$1,052$1,135+7.9%
All policies in force (any building)431397−7.9%

How many homes have flood insurance?

2.1%of all homes in Crittenden County have an NFIP policy
20.0%of homes in high-risk zones (special flood hazard area) have one
16,946residential buildings counted by FEMA
725of 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 Crittenden County, Arkansas have filed 893 flood claims. 730 received a payment, for a total of $12.9 million (an average of $17,728 per paid claim). The year with the most claims was 1987 (215 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 28 claims, 21 paid, $56,069 in total19801982: 37 claims, 21 paid, $66,163 in total1987: 215 claims, 191 paid, $1,982,035 in total19871988: 23 claims, 10 paid, $20,156 in total1989: 29 claims, 21 paid, $129,189 in total1990: 52 claims, 43 paid, $285,143 in total19901991: 113 claims, 94 paid, $676,344 in total199120002001: 63 claims, 49 paid, $729,860 in total2003: 21 claims, 20 paid, $266,470 in total2010: 70 claims, 60 paid, $1,858,902 in total20102011: 96 claims, 81 paid, $2,181,514 in total20112014: 33 claims, 26 paid, $727,971 in total20202023: 10 claims, 10 paid, $376,161 in total2025: 36 claims, 35 paid, $2,781,144 in total
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 (14)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20253635$2,781,144$79,461
20231010$376,161$37,616
20143326$727,971$27,999
20119681$2,181,514$26,932
20107060$1,858,902$30,982
20032120$266,470$13,324
20016349$729,860$14,895
199111394$676,344$7,195
19905243$285,143$6,631
19892921$129,189$6,152
19882310$20,156$2,016
1987215191$1,982,035$10,377
19823721$66,163$3,151
19792821$56,069$2,670

From 2016 to 2026: 46 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

West Memphis (173 home policies) · Unincorporated Crittenden County (74 home policies) · Marion (51 home policies)