Data · May 2026 data · 13-month trend
Arkansas Flood Insurance Costs
Arkansas's flood insurance cost index stood at $1,036 in May 2026, measured across policies newly written or renewed that month. That runs +5.5% above the national average of $982. The figure is up 7.2% year over year. Across 927 transactions in 67 counties, the highest county-level average was $2,791 in Sharp 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 — May 2026
- Average premium
- $1,036
- Avg total cost (with fees)
- $1,377
- Change (year over year)
- +7.2%
- vs national average
- +5.5%
- Policies written or renewed
- 927
- Counties reporting
- 67
Arkansas trend, last 13 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 | 1,032 | |
| June 2025 | $1,038 | $1,379 | 1,004 | |
| July 2025 | $1,116 | $1,440 | 1,062 | |
| August 2025 | $1,043 | $1,374 | 1,106 | |
| September 2025 | $1,003 | $1,320 | 997 | |
| October 2025 | $956 | $1,279 | 1,021 | |
| November 2025 | $902 | $1,210 | 813 | |
| December 2025 | $998 | $1,349 | 854 | |
| January 2026 | $1,059 | $1,418 | 726 | |
| February 2026 | $1,010 | $1,382 | 948 | |
| March 2026 | $1,027 | $1,375 | 933 | |
| April 2026 | $1,033 | $1,386 | 918 | |
| May 2026 | $1,036 | $1,377 | 927 |
County breakdown — May 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 |
|---|---|---|---|---|
| Sharp County | $2,791 | $3,516 | 3 | |
| Cleburne County | $2,484 | $3,088 | 8 | |
| FIPS 05000 | $2,400 | $2,400 | 13 | |
| Marion County | $2,111 | $2,563 | 1 | |
| Baxter County | $1,971 | $2,578 | 5 | |
| Perry County | $1,640 | $2,008 | 2 | |
| Bradley County | $1,585 | $2,167 | 1 | |
| Johnson County | $1,549 | $1,900 | 2 | |
| Pike County | $1,543 | $2,118 | 1 | |
| Lawrence County | $1,464 | $1,905 | 17 | |
| Dallas County | $1,443 | $1,775 | 1 | |
| Boone County | $1,384 | $1,818 | 2 | |
| White County | $1,347 | $1,788 | 16 | |
| Pulaski County | $1,296 | $1,684 | 134 | |
| Sebastian County | $1,266 | $1,656 | 30 | |
| Pope County | $1,256 | $1,683 | 7 | |
| Hot Spring County | $1,253 | $1,607 | 4 | |
| Crawford County | $1,252 | $1,734 | 11 | |
| Randolph County | $1,207 | $1,637 | 8 | |
| Ouachita County | $1,184 | $1,604 | 5 | |
| Scott County | $1,134 | $1,635 | 1 | |
| Sevier County | $1,126 | $1,580 | 5 | |
| Washington County | $1,114 | $1,503 | 48 | |
| Garland County | $1,108 | $1,457 | 61 | |
| Lafayette County | $1,093 | $1,362 | 1 | |
| Chicot County | $1,086 | $1,429 | 18 | |
| Saline County | $1,079 | $1,358 | 18 | |
| Montgomery County | $1,070 | $1,460 | 9 | |
| Conway County | $1,000 | $1,251 | 2 | |
| Lincoln County | $990 | $1,353 | 2 | |
| Miller County | $987 | $1,306 | 13 | |
| Polk County | $976 | $1,224 | 1 | |
| Clay County | $948 | $1,246 | 8 | |
| Union County | $929 | $1,253 | 8 | |
| Arkansas County | $923 | $1,203 | 16 | |
| Lonoke County | $917 | $1,223 | 26 | |
| Craighead County | $916 | $1,223 | 58 | |
| Jefferson County | $910 | $1,205 | 23 | |
| Faulkner County | $901 | $1,191 | 53 | |
| Benton County | $886 | $1,217 | 56 | |
| Grant County | $880 | $1,110 | 1 | |
| Calhoun County | $879 | $1,109 | 1 | |
| Crittenden County | $873 | $1,201 | 32 | |
| Van Buren County | $831 | $1,233 | 5 | |
| Izard County | $789 | $1,003 | 2 | |
| Desha County | $755 | $1,057 | 12 | |
| Lee County | $744 | $1,078 | 7 | |
| Phillips County | $734 | $1,101 | 25 | |
| Ashley County | $707 | $962 | 8 | |
| Jackson County | $692 | $929 | 17 | |
| Stone County | $683 | $1,103 | 1 | |
| Prairie County | $681 | $875 | 3 | |
| Greene County | $640 | $883 | 24 | |
| Woodruff County | $638 | $937 | 2 | |
| Drew County | $635 | $1,014 | 7 | |
| Poinsett County | $621 | $837 | 7 | |
| Mississippi County | $600 | $849 | 13 | |
| Clark County | $596 | $943 | 4 | |
| Monroe County | $572 | $887 | 8 | |
| Independence County | $569 | $744 | 4 | |
| Columbia County | $567 | $967 | 6 | |
| Logan County | $533 | $701 | 1 | |
| Yell County | $463 | $618 | 1 | |
| St. Francis County | $429 | $669 | 5 | |
| Cross County | $418 | $712 | 20 | |
| Nevada County | $374 | $738 | 1 | |
| Little River County | $344 | $478 | 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 (FimaNfipPolicies).
"Arkansas Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, May 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/arkansas
Related guides
Editorial context for reading these numbers — how NFIP coverage and pricing work in practice, and what a flood map does and doesn’t tell you.