How Much Is Flood Insurance in Arkansas?
The average cost per policy in Arkansas through the NFIP is $1,243.59. Depending on where you live, this average could vary substantially! If you're interested in a quote for a private flood insurance policy to compare costs to the NFIP, we offer both! Quote online to compare costs and coverages side-by-side with our quick online quote tool.
Average Costs through the NFIP
City | Average Cost per Policy |
|---|---|
Little Rock | $1,272.16 |
Fayetteville | $1,323.12 |
Fort Smith | $1,594.35 |
Springdale | $1,385.82 |
Jonesboro | $994.39 |
Rogers | $1,219.08 |
Conway | $1,179.22 |
North Little Rock | $1,611.14 |
Bentonville | $1,012.23 |
Pine Bluff | $980.78 |
NFIP Average Prices as of April 30th, 2025.
Our Private Flood Insurance Prices Are Often Lower!
Our private flood insurance averages are often much lower than those shown above! Get a quote online and find out how much we can save you.
Easily compare top-rated private flood insurance carrier prices with an NFIP quote. We offer both! Quote online to compare prices and save money on flood insurance.
How Do I Get Cheap Flood Insurance in Arkansas?
To find affordable flood insurance that fits your needs, we suggest you compare both NFIP and top-rated private flood insurance options. We offer both! Use our online quote tool to quickly compare. We don't just compare costs, we also compare coverage options. We'll show you a side-by-side summary of what's covered by the NFIP vs. private flood insurance.
The cost of a claim can be expensive. Most are financially devastated after experiencing a flood if they don't have coverage. In fact, a 2025 Milliman report found that Arkansas had one of the highest average NFIP claim payouts in the country, with typical losses averaging $38,694 since 2010. [source]
Does My Homeowners Insurance Cover Flooding?
Homeowners insurance generally excludes flood coverage. Obtaining a flood insurance policy is typically left up to the homeowner. If you're looking to get a policy, we offer a 100% online process. You can get a quote started here!
Do I Need Flood Insurance in Arkansas?
With over 600,000 acres of lakes and nearly 10,000 miles of streams and rivers, flooding is a real risk in The Natural State. Don't wait until a big storm is looming on the horizon or flooding is in the forecast to look into flood insurance. Consider that 20% of flooding happens in areas considered low-risk for floods.
Find out if you're in a flood zone! Enter your address on our FEMA Flood Zone Map lookup tool.
If you're ready to get coverage from the most common natural disaster, the first step is obtaining an instant flood insurance quote. Simply click the button below to get started!
How to Get Flood Insurance Without a Flood Elevation Certificate
Quality flood insurance is available without the added expense and trouble of getting an elevation certificate. FloodPrice can compare the rates for both private flood insurance and the NFIP to make sure you are getting the right coverage for the best price. Check out our quote page now to find out what coverage we can offer.
Flood Insurance Pricing Changes in Arkansas
The NFIP recently adjusted its pricing system called Risk Rating 2.0. Their view of risk assessment now aligns more closely with practices that private carriers implemented years earlier.
As a result, most policyholders in Arkansas have seen changes to their premiums. According to FEMA, approximately 66% of policyholders nationwide were projected to see price increases with the updated pricing methodology.
Why Did the NFIP Implement Risk Rating 2.0?
FEMA moved away from antiquated pricing based on flood zones and elevation certificates, and moved towards assessing each individual property. These adjustments are intended to more accurately reflect each property's unique flood risk. The following are considered by the NFIP when calculating your premium:
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Distance to water (river, coast, etc.)
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Cost to rebuild
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Flood frequency and types (coastal, riverine, heavy rain)
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Ground elevation and foundation type
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Historical claims and mitigation efforts
Compare NFIP with Private Flood Insurance Premiums Online
At FloodPrice, you can compare NFIP and Private Flood Insurance quotes side-by-side with our quick online quote tool. This makes it easier to find a policy that fits your budget and your needs. While private policies often offer more flexibility and may be less expensive for some, the NFIP still offers robust coverage, especially in high-risk or FEMA-regulated zones.
Need help from a Flood Expert? Call us at 866-503-5663 for personalized assistance.
