Flood insurance cost · Faulkner County, AR

Flood insurance cost in Faulkner County, Arkansas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 408 home policies in force on August 31, 2026.

Faulkner County, ArkansasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,084a year

Half of insured homes paid between $789 and $1,351. That is 8% more than the Arkansas median ($1,003). Most insured homes here are rated in zone AE (67%).

$0$789 · $1,084 · $1,351$1,689

+11.9% vs Aug 31, 2025 (median $969)

408home policies in force

$1,168average cost (mean)

74%of insured homes in high-risk zones (A, V)

$211,500median 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 Faulkner 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	$1,181	$846–$1,554	$1,258	274 (67%)	+12.5%
Zone A High risk	$964	$615–$1,277	$1,186	26 (6%)	+4.7%
Zone X Moderate to low risk	$995	$661–$1,185	$937	108 (26%)	+10.8%

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 Faulkner County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	386	$1,086	$1,178
Manufactured (mobile) home	16	$746	$964
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.	11	$2,404	$2,492
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	32	$1,975	$2,312

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit.

451NFIP policies in force, any building

451insured units (condo association policies count every unit)

51%of home policies also cover contents

$95,500median contents coverage, when bought

One year on: Faulkner 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	437	408	−6.6%
Median annual cost	$969	$1,084	+11.9%
Average annual cost	$1,071	$1,168	+9.1%
All policies in force (any building)	477	451	−5.5%

How many homes have flood insurance?

1.0%of all homes in Faulkner County have an NFIP policy

17.9%of homes in high-risk zones (special flood hazard area) have one

42,962residential buildings counted by FEMA

1,736of 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 Faulkner County, Arkansas have filed 321 flood claims. 263 received a payment, for a total of $7,712,867 (an average of $29,326 per paid claim). The year with the most claims was 2011 (93 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 (6)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2019	65	61	$3,274,026	$53,673
2018	13	11	$243,710	$22,155
2017	24	21	$943,974	$44,951
2015	21	18	$457,300	$25,406
2011	93	76	$1,530,252	$20,135
2009	27	22	$317,076	$14,413

From 2016 to 2026: 102 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

Unincorporated Faulkner County (167 home policies) · Conway (161 home policies) · Mayflower (55 home policies) · Vilonia (12 home policies)