Home insurance costs & natural hazards in Arkansas
Plain facts for Arkansas homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
Arkansas at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in Arkansas pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
The typical Arkansas ZIP code saw homeowners premiums of $1,698 per policy in 2022, 9% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 3% between 2018 and 2022. The figures come from 374 Arkansas ZIP codes in Treasury's data.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. 8,010 single-family NFIP policies took effect in Arkansas in 2025, at an average full cost of $1,140, compared with $917 in 2022. About 74% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of Arkansas's 75 counties FEMA rates relatively high or very high for each hazard. The most widespread are ice storm, lightning and strong wind. Open any county for its full hazard profile.
Hazards across Arkansas's counties
Arkansas counties
All 75 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Arkansas County | $1,753 | $900 | Relatively Low |
| Ashley County | $1,584 | $881 | Relatively Low |
| Baxter County | $1,628 | $1,829 | Relatively Low |
| Benton County | $1,841 | $1,181 | Relatively Moderate |
| Boone County | $1,752 | $1,109 | Relatively Low |
| Bradley County | $1,643 | $1,182 | Very Low |
| Calhoun County | $1,561 | — | Very Low |
| Carroll County | $1,726 | — | Relatively Low |
| Chicot County | $1,888 | $1,048 | Relatively Low |
| Clark County | $1,603 | $1,170 | Very Low |
| Clay County | $1,584 | $866 | Relatively Low |
| Cleburne County | $1,823 | $1,903 | Relatively Low |
| Cleveland County | $1,510 | — | Very Low |
| Columbia County | $1,594 | — | Very Low |
| Conway County | $1,639 | $1,205 | Relatively Low |
| Craighead County | $1,648 | $804 | Relatively Moderate |
| Crawford County | $1,767 | $1,039 | Relatively Low |
| Crittenden County | $1,939 | $1,060 | Relatively Moderate |
| Cross County | $1,787 | $775 | Relatively Low |
| Dallas County | $1,674 | — | Very Low |
| Desha County | $1,731 | $892 | Very Low |
| Drew County | $1,644 | $861 | Very Low |
| Faulkner County | $1,725 | $1,110 | Relatively Moderate |
| Franklin County | $1,693 | $1,132 | Relatively Low |
| Fulton County | $1,584 | $2,184 | Relatively Low |
| Garland County | $1,904 | $1,763 | Relatively Moderate |
| Grant County | $1,725 | $1,129 | Very Low |
| Greene County | $1,637 | $762 | Relatively Low |
| Hempstead County | $2,059 | — | Relatively Low |
| Hot Spring County | $1,665 | $1,661 | Relatively Low |
| Howard County | $1,686 | $961 | Relatively Low |
| Independence County | $1,535 | $1,179 | Relatively Low |
| Izard County | $1,523 | $2,075 | Relatively Low |
| Jackson County | $1,545 | $866 | Relatively Low |
| Jefferson County | $1,822 | $998 | Relatively Moderate |
| Johnson County | $1,678 | $1,275 | Relatively Low |
| Lafayette County | $1,517 | — | Very Low |
| Lawrence County | $1,582 | $1,173 | Relatively Low |
| Lee County | $1,812 | $845 | Very Low |
| Lincoln County | $1,588 | $897 | Very Low |
| Little River County | $1,589 | — | Relatively Low |
| Logan County | $1,550 | $883 | Relatively Low |
| Lonoke County | $1,810 | $1,026 | Relatively Low |
| Madison County | $1,757 | — | Relatively Low |
| Marion County | $1,655 | $1,278 | Relatively Low |
| Miller County | $1,693 | $969 | Relatively Low |
| Mississippi County | $1,814 | $678 | Relatively Moderate |
| Monroe County | $1,688 | $1,039 | Very Low |
| Montgomery County | $1,730 | $1,340 | Very Low |
| Nevada County | $1,597 | — | Very Low |
| Newton County | $1,628 | — | Very Low |
| Ouachita County | $1,588 | $1,165 | Relatively Low |
| Perry County | $1,582 | $1,232 | Very Low |
| Phillips County | $1,661 | $913 | Relatively Low |
| Pike County | $1,742 | $1,296 | Very Low |
| Poinsett County | $1,705 | $750 | Relatively Low |
| Polk County | $1,523 | $1,090 | Relatively Low |
| Pope County | $1,674 | $1,288 | Relatively Low |
| Prairie County | $1,522 | $1,181 | Very Low |
| Pulaski County | $2,029 | $1,171 | Relatively High |
| Randolph County | $1,654 | $1,359 | Relatively Low |
| Saline County | $1,811 | $1,138 | Relatively Low |
| Scott County | $1,481 | — | Very Low |
| Searcy County | $1,703 | — | Very Low |
| Sebastian County | $1,677 | $1,218 | Relatively Moderate |
| Sevier County | $1,597 | $1,130 | Relatively Low |
| Sharp County | $1,577 | $1,906 | Relatively Low |
| St. Francis County | $1,869 | $786 | Relatively Low |
| Stone County | $1,506 | — | Relatively Low |
| Union County | $1,757 | $1,137 | Relatively Low |
| Van Buren County | $1,672 | $1,691 | Relatively Low |
| Washington County | $1,855 | $1,210 | Relatively Moderate |
| White County | $1,691 | $1,301 | Relatively Moderate |
| Woodruff County | $1,573 | $1,105 | Very Low |
| Yell County | $1,487 | $980 | Relatively Low |
ZIP codes with the most flood policies
Practical next steps
Simple things Arkansas homeowners can do with this information.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.