Flood insurance in Arkansas: cost by ZIP code and county
Arkansas has 7,723 single-family flood policies with a median bill of $1,009 on July 31, 2026; its claims run large for a river state.
Median single-family flood bill, Arkansas
$1,009
7,723 policies in force on July 31, 2026, premium and fees included.
| Median full-risk price, same policies | $1,137 |
| Policies still below their full-risk price | 45 % |
| Median paid in August 2023 | $781 |
| Increase left from the median | 1 renewal at 18 % |
| Next five bills, added up | $5,685 |
| Median claim paid, 2016 to 2025 (1,608 claims) | $27,847 |
Compiled by Radif Partners · Where the numbers come from · 203 ZIP codes and 63 counties of Arkansas in FEMA's tables · not a quote
A single-family flood policy in Arkansas had a median yearly bill of $1,009 on July 31, 2026, premium and the federal assessment and fees included, across 7,723 policies. That is below the national median of $1,081, and close to the state's full-risk median of $1,137; 45 % of policies are still capped. In FEMA's 2023 exposure table, every Arkansas policy is rated for inland flooding only, with no surge or erosion exposure. Its claims are what stand out. From 2016 to 2025, the program paid 1,608 single-family claims with a median of $27,847, high for a state with modest homes: the median replacement cost in FEMA's 2023 data was $298,307. Claims in X zones, with a median of $27,543, were about as large as in A zones. Garland County, which includes Hot Springs, is the main exception on price, with a full-risk median about twice its current bill.
Large claims on modest homes
The paid claims stand out: the Arkansas median is about 66 % of the national median claim, even though the homes are cheaper than average. The late spring severe storms of 2017 paid 391 single-family claims, $16,673,303 in total, and the Central U.S. April Flooding of 2025 paid 169.
Outside the mapped floodplain, losses are just as heavy. 447 paid claims came from X zone homes, at a median of $27,543, while the 1,927 X zone policies in force on July 31, 2026 cost a median $1,020 a year.
What a federal policy pays on a deep flood
A federal policy pays up to $250,000 for the building and $100,000 for belongings, after a deductible chosen on each. With a median rebuilding cost of $298,307, most Arkansas houses fit within the building limit. Belongings are paid at depreciated value, and basements have narrower cover.
What the policy pays on a large Arkansas loss
The federal policy would pay
$288,000
| Building, up to $250,000 | $250,000 |
| Belongings, up to $100,000 | $38,000 |
| Above the legal limits | $46,307 |
| Deductibles | $4,000 |
Washington and Benton counties
Census Bureau place records put Fayetteville in Washington County, Bentonville in Benton County, and Springdale across both. Washington County has 398 policies at a median $1,075, and Benton County 414 at $999. Their claim files are among the state's largest after Pulaski: 104 and 103 paid claims, with medians of $33,104 and $22,481.
County prices: Little Rock, Jonesboro and Hot Springs
Pulaski County, home to Little Rock, has the most policies, 1,419, at a median of $1,083. Faulkner County, which borders it, is at $1,088. Craighead County, which includes Jonesboro, pays one of the lowest medians, $734, and Crittenden County, which borders Shelby County, Tennessee, home to Memphis, $1,079. Garland County is the outlier. Its policies pay a median $1,473 against a full-risk median of $3,011, and 66 % of its policies are below full price; at the county medians, a main home needs 5 more renewals at the 18 % cap. The average claim guide compares claim sizes across the country.
The Arkansas counties with the most policies
| County | Policies | Median bill | Full-risk median | Still below full risk | Renewals left at 18 % | Median bill, August 2023 | Median claim 2016-2025 |
|---|---|---|---|---|---|---|---|
| Pulaski County | 1,419 | $1,083 | $1,260 | 48 % | 1 | $799 | $20,523 |
| Craighead County | 676 | $734 | $773 | 42 % | 1 | $674 | $17,531 |
| Washington County | 398 | $1,075 | $1,186 | 37 % | 1 | $800 | $33,104 |
| Garland County | 485 | $1,473 | $3,011 | 66 % | 5 | $991 | $16,156 |
| Benton County | 414 | $999 | $1,070 | 38 % | 1 | $799 | $22,481 |
| Faulkner County | 402 | $1,088 | $1,285 | 46 % | 2 | $798 | $32,405 |
| Greene County | 247 | $733 | $879 | 57 % | 2 | $529 | $5,420 |
| Crittenden County | 273 | $1,079 | $1,228 | 50 % | 1 | $799 | $37,000 |
Full-risk prices of Arkansas homes, band by band
| Full risk-based price a year | Policies | Share | Median rebuild value |
|---|---|---|---|
| $0 to $1,000 | 4,219 | 44.3 % | $246,997 |
| $1,000 to $2,000 | 3,088 | 32.4 % | $321,210 |
| $2,000 to $3,000 | 1,018 | 10.7 % | $338,819 |
| $3,000 to $4,000 | 486 | 5.1 % | $353,500 |
| $4,000 to $5,000 | 329 | 3.5 % | $366,047 |
| $5,000 or more | 393 | 4.1 % |
The floods that paid the most Arkansas claims since 2016
| Event (FEMA name) | Year | Paid claims | Paid in total |
|---|---|---|---|
| Late spring severe storms | 2017 | 391 | $16,673,303 |
| Central U.S. April Flooding | 2025 | 169 | $9,486,768 |
| Late winter severe storms | 2016 | 58 | $1,572,748 |