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Flood insurance cost · Pulaski County, AR

Flood insurance cost in Pulaski County, Arkansas

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,443 home policies in force on August 31, 2026.

Pulaski County, ArkansasPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,082a year

Half of insured homes paid between $807 and $1,405. That is 8% more than the Arkansas median ($1,003). Most insured homes here are rated in zone AE (65%).

$0$807 · $1,082 · $1,405$1,756
+10.0% vs Aug 31, 2025 (median $984)
1,443home policies in force
$1,219average cost (mean)
76%of insured homes in high-risk zones (A, V)
$200,000median 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 Pulaski 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		$1,099$817–$1,558$1,305941 (65%)+7.0%
Zone A
High risk		$1,186$1,030–$1,420$1,27850 (3%)+9.7%
Zone AH
High risk, shallow		$1,074$870–$1,292$1,107108 (7%)+8.9%
Zone X
Moderate to low risk		$1,038$744–$1,234$1,011344 (24%)+11.6%

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

Type of buildingPoliciesMedianAverage
Single-family home1,372$1,083$1,220
2–4 unit building49$1,182$1,371
Condo or apartment unit14$700$746
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.		64$2,118$2,384
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		289$2,006$2,837

Not shown (fewer than 10 policies): manufactured (mobile) home.

1,796NFIP policies in force, any building
1,820insured units (condo association policies count every unit)
53%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Pulaski 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 force1,5341,443−5.9%
Median annual cost$984$1,082+10.0%
Average annual cost$1,133$1,219+7.6%
All policies in force (any building)1,8921,796−5.1%

How many homes have flood insurance?

1.1%of all homes in Pulaski County have an NFIP policy
22.3%of homes in high-risk zones (special flood hazard area) have one
144,405residential buildings counted by FEMA
5,163of 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 Pulaski County, Arkansas have filed 1,728 flood claims. 1,318 received a payment, for a total of $30.4 million (an average of $23,073 per paid claim). The year with the most claims was 2009 (220 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 207 claims, 185 paid, $1,773,322 in total19781979: 12 claims19801981: 57 claims, 51 paid, $172,118 in total1982: 67 claims, 50 paid, $109,100 in total1983: 32 claims, 24 paid, $99,870 in total1984: 129 claims, 94 paid, $622,411 in total1987: 104 claims, 75 paid, $623,468 in total1988: 67 claims, 40 paid, $284,091 in total1990: 44 claims, 33 paid, $259,575 in total19901994: 16 claims, 11 paid, $60,435 in total1996: 11 claims20002003: 14 claims, 11 paid, $210,957 in total2005: 19 claims, 11 paid, $214,763 in total2006: 17 claims2008: 35 claims, 22 paid, $189,021 in total2009: 220 claims, 182 paid, $7,955,267 in total20092010: 26 claims, 14 paid, $163,739 in total20102011: 152 claims, 118 paid, $3,335,077 in total20112013: 12 claims, 11 paid, $250,399 in total2014: 13 claims2015: 25 claims, 14 paid, $277,974 in total2016: 23 claims, 16 paid, $391,219 in total2017: 121 claims, 99 paid, $4,251,118 in total2018: 15 claims, 10 paid, $231,436 in total2019: 111 claims, 101 paid, $5,015,499 in total2020: 15 claims20202021: 16 claims, 15 paid, $214,831 in total2024: 31 claims, 26 paid, $1,207,559 in total2025: 28 claims, 26 paid, $1,076,890 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 (29)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20252826$1,076,890$41,419
20243126$1,207,559$46,445
20211615$214,831$14,322
202015<10––
2019111101$5,015,499$49,658
20181510$231,436$23,144
201712199$4,251,118$42,941
20162316$391,219$24,451
20152514$277,974$19,855
201413<10––
20131211$250,399$22,764
2011152118$3,335,077$28,263
20102614$163,739$11,696
2009220182$7,955,267$43,710
20083522$189,021$8,592
200617<10––
20051911$214,763$19,524
20031411$210,957$19,178
199611<10––
19941611$60,435$5,494
19904433$259,575$7,866
19886740$284,091$7,102
198710475$623,468$8,313
198412994$622,411$6,621
19833224$99,870$4,161
19826750$109,100$2,182
19815751$172,118$3,375
197912<10––
1978207185$1,773,322$9,586

From 2016 to 2026: 360 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

Little Rock (579 home policies) · North Little Rock (251 home policies) · Sherwood (215 home policies) · Unincorporated Pulaski County (186 home policies) · Jacksonville (164 home policies) · Maumelle (45 home policies)