Flood insurance cost in Arkansas
In Arkansas, the lowest private flood insurance quote ran $681 a year and the typical private quote ran $983. The NFIP quote ran $1,999.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 59% below the NFIP quote, and private was the cheaper option for 89% of those 37 properties. The typical private quote came in 15% below NFIP.
Median annual premiums from 426 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Zone A, AE, AH and AO (high risk) | $755 | $1,221 | $2,230 | 350 |
| Residential properties | $681 | $983 | $1,999 | 426 |
How quotes have moved since 2020
- Lowest private quote$882 in 2021
- Typical private quote$1,062 in 2021
| Year | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| 2020 | $553 | $603 | n/a | 92 |
| 2021 | $882 | $1,062 | n/a | 104 |
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in Arkansas?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in Arkansas was $983 a year and the lowest private quote a property received was $681. NFIP quotes ran $1,999. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Is private flood insurance cheaper than NFIP in Arkansas?
- Where a property was quoted both ways, the lowest private quote came in a median 59% below the NFIP quote, and private was the cheaper option for 89% of those 37 properties. The typical private quote came in 15% below NFIP.
- Where do these numbers come from?
- From 426 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in Arkansas
- Flood insurance in Arkansas: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.