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Flood insurance cost · Jefferson County, AR

Flood insurance cost in Jefferson County, Arkansas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 274 home policies in force on August 31, 2026.

Jefferson County, ArkansasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$874a year

Half of insured homes paid between $650 and $1,266. That is 13% less than the Arkansas median ($1,003). Most insured homes here are rated in zone AE (66%).

$0$650 · $874 · $1,266$1,582
+6.6% vs Aug 31, 2025 (median $820)
274home policies in force
$1,024average cost (mean)
86%of insured homes in high-risk zones (A, V)
$132,000median 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 Jefferson 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		$974$669–$1,356$1,131180 (66%)+4.7%
Zone A
High risk		$780$648–$922$84056 (20%)+2.9%
Zone X
Moderate to low risk		$734$566–$952$78438 (14%)+1.2%

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 Jefferson County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home253$870$1,013
Manufactured (mobile) home17$911$1,032
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		33$1,527$2,127

Not shown (fewer than 10 policies): 2–4 unit building, condo or apartment unit, whole residential building (5+ units or condo association).

308NFIP policies in force, any building
311insured units (condo association policies count every unit)
46%of home policies also cover contents
$50,000median contents coverage, when bought

One year on: Jefferson 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 force277274−1.1%
Median annual cost$820$874+6.6%
Average annual cost$980$1,024+4.5%
All policies in force (any building)308308±0.0%

How many homes have flood insurance?

0.9%of all homes in Jefferson County have an NFIP policy
11.7%of homes in high-risk zones (special flood hazard area) have one
28,908residential buildings counted by FEMA
2,024of 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 Jefferson County, Arkansas have filed 596 flood claims. 509 received a payment, for a total of $14.4 million (an average of $28,334 per paid claim). The year with the most claims was 2019 (84 claims). Amounts are in dollars of the time, not adjusted for inflation.

025507510019801982: 34 claims, 26 paid, $143,698 in total1983: 24 claims, 20 paid, $190,714 in total1984: 46 claims, 44 paid, $579,771 in total19841987: 10 claims1989: 19 claims, 15 paid, $89,341 in total1990: 41 claims, 39 paid, $905,335 in total19901991: 19 claims, 16 paid, $132,668 in total1997: 19 claims, 16 paid, $207,785 in total20002008: 29 claims, 27 paid, $619,540 in total2009: 20 claims, 17 paid, $242,169 in total20102011: 12 claims, 11 paid, $86,613 in total2012: 19 claims, 14 paid, $220,052 in total2013: 13 claims, 11 paid, $260,635 in total2015: 80 claims, 70 paid, $3,028,830 in total20152016: 28 claims, 23 paid, $709,450 in total2019: 84 claims, 78 paid, $6,281,699 in total20192020
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 (16)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20198478$6,281,699$80,535
20162823$709,450$30,846
20158070$3,028,830$43,269
20131311$260,635$23,694
20121914$220,052$15,718
20111211$86,613$7,874
20092017$242,169$14,245
20082927$619,540$22,946
19971916$207,785$12,987
19911916$132,668$8,292
19904139$905,335$23,214
19891915$89,341$5,956
198710<10––
19844644$579,771$13,177
19832420$190,714$9,536
19823426$143,698$5,527

From 2016 to 2026: 112 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 Jefferson County (127 home policies) · Pine Bluff (115 home policies) · White Hall (20 home policies)