Data · July 2026 data · 15-month trend
Arkansas Flood Insurance Costs
Arkansas's flood insurance cost index stood at $1,107 in July 2026, measured across policies newly written or renewed that month. That runs +12.3% above the national average of $986. The figure is down 0.8% year over year. Across 945 transactions in 62 counties, the highest county-level average was $4,696 in Pope County.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — July 2026
- Average premium
- $1,107
- Avg total cost (with fees)
- $1,460
- Change (year over year)
- -0.8%
- vs national average
- +12.3%
- Policies written or renewed
- 945
- Counties reporting
- 62
Arkansas trend, last 15 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $967 | $1,305 | 1,033 | |
| June 2025 | $1,043 | $1,384 | 1,005 | |
| July 2025 | $1,116 | $1,440 | 1,063 | |
| August 2025 | $1,043 | $1,374 | 1,106 | |
| September 2025 | $1,003 | $1,321 | 998 | |
| October 2025 | $956 | $1,279 | 1,021 | |
| November 2025 | $903 | $1,211 | 814 | |
| December 2025 | $1,000 | $1,351 | 854 | |
| January 2026 | $1,058 | $1,417 | 727 | |
| February 2026 | $1,011 | $1,384 | 949 | |
| March 2026 | $1,027 | $1,375 | 933 | |
| April 2026 | $1,030 | $1,383 | 925 | |
| May 2026 | $1,048 | $1,394 | 979 | |
| June 2026 | $1,120 | $1,480 | 975 | |
| July 2026 | $1,107 | $1,460 | 945 |
County breakdown — July 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Pope County | $4,696 | $5,752 | 13 | |
| Hot Spring County | $2,475 | $2,993 | 4 | |
| Bradley County | $2,321 | $2,811 | 2 | |
| Boone County | $2,221 | $2,843 | 3 | |
| White County | $1,856 | $2,327 | 14 | |
| Van Buren County | $1,784 | $2,327 | 3 | |
| Sharp County | $1,779 | $2,246 | 6 | |
| Cleburne County | $1,754 | $2,295 | 19 | |
| Grant County | $1,597 | $2,032 | 3 | |
| Benton County | $1,590 | $2,043 | 57 | |
| Baxter County | $1,543 | $1,995 | 11 | |
| Phillips County | $1,411 | $1,783 | 5 | |
| Conway County | $1,372 | $1,766 | 3 | |
| FIPS 05000 | $1,360 | $1,537 | 2 | |
| Garland County | $1,333 | $1,719 | 71 | |
| Saline County | $1,279 | $1,601 | 23 | |
| Sebastian County | $1,249 | $1,592 | 49 | |
| Johnson County | $1,241 | $1,649 | 4 | |
| Izard County | $1,142 | $1,465 | 5 | |
| Pulaski County | $1,119 | $1,455 | 143 | |
| Pike County | $1,052 | $1,538 | 3 | |
| Perry County | $1,049 | $1,400 | 5 | |
| Montgomery County | $1,043 | $1,505 | 10 | |
| Lawrence County | $1,025 | $1,357 | 12 | |
| Prairie County | $1,019 | $1,311 | 6 | |
| Ouachita County | $1,006 | $1,320 | 11 | |
| Crawford County | $996 | $1,315 | 10 | |
| Lee County | $982 | $1,305 | 6 | |
| Lonoke County | $960 | $1,250 | 15 | |
| Faulkner County | $912 | $1,189 | 44 | |
| Randolph County | $883 | $1,339 | 23 | |
| Logan County | $876 | $1,106 | 1 | |
| Washington County | $862 | $1,166 | 62 | |
| Crittenden County | $862 | $1,170 | 25 | |
| Chicot County | $828 | $1,174 | 9 | |
| Miller County | $822 | $1,117 | 12 | |
| Sevier County | $819 | $1,189 | 3 | |
| Jefferson County | $813 | $1,062 | 29 | |
| Monroe County | $778 | $1,054 | 7 | |
| Jackson County | $772 | $1,011 | 8 | |
| Union County | $765 | $1,031 | 4 | |
| Clay County | $749 | $990 | 13 | |
| Clark County | $723 | $1,075 | 3 | |
| Independence County | $719 | $976 | 4 | |
| Franklin County | $717 | $918 | 2 | |
| Craighead County | $715 | $1,039 | 77 | |
| Cross County | $707 | $1,019 | 8 | |
| Scott County | $687 | $1,107 | 9 | |
| Stone County | $684 | $879 | 1 | |
| Greene County | $683 | $897 | 24 | |
| Woodruff County | $664 | $856 | 1 | |
| Poinsett County | $640 | $996 | 8 | |
| Desha County | $638 | $925 | 9 | |
| Arkansas County | $612 | $822 | 8 | |
| Howard County | $607 | $957 | 4 | |
| Mississippi County | $603 | $829 | 10 | |
| Calhoun County | $591 | $769 | 2 | |
| St. Francis County | $551 | $722 | 1 | |
| Yell County | $532 | $925 | 1 | |
| Ashley County | $453 | $696 | 5 | |
| Drew County | $411 | $757 | 9 | |
| Lincoln County | $299 | $650 | 1 |
Use this data
Download Arkansas CSV (arkansas.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (NFIP Redacted Policies v3).
"Arkansas Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, July 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/arkansas
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.