Arkansas Home-Insurance Distress by County

Arkansas reads well above the national norm for home-insurance distress — 75 counties averaging 48/100, 14th of 52 states.

13 of Arkansas's 75 counties score 70 or higher (severe).

Arkansas's reading rests on a FEMA hazard average of 54/100 and NFIP flood-claim stress of 45/100.

Over three years Arkansas counties filed 362 NFIP flood claims, $18,243,753 paid.

Highest in Arkansas: Sharp County 81/100 (#331 US), Randolph County 78/100 (#400 US), Marion County 76/100 (#471 US), Ouachita County 76/100 (#482 US), Fulton County 75/100 (#486 US).

Arkansas counties by insurance band: 43 medium (Arkansas), 31 low, 1 high; Arkansas NFIP claims, three years: 362; Arkansas payouts $18.2 million.

Arkansas counties with the most NFIP claims: Pulaski 60 ($2.3 million); Crittenden 38 ($2.8 million); Saline 26 ($2.0 million) in Arkansas; Sharp 22 ($1.8 million); Benton 20 ($815,304).

Arkansas county average fell: 55.2 in March 2026; Arkansas reads 48.4 in October 2026; Arkansas by month: March 55.2, April 55.2, May 52.8 (Arkansas), June 52.8, July 50.9, August 50.2 (Arkansas), September 55.5, October 48.4.

Highest Arkansas ZIPs, insurance distress: 33955 81 (climate 94), 33950 81 (climate 94) in Arkansas, 33983 81 (climate 94), 33982 81 (climate 94) in Arkansas, 33954 81 (climate 94), 33947 81 (climate 94) in Arkansas.

Reading the Arkansas bands: 1 of 75 Arkansas counties sit in a high or worse insurance band; Arkansas filed 362 NFIP claims in three years, $18.2 million paid to Arkansas policyholders; a Arkansas county's band moves when FEMA hazard revisions, new Arkansas NFIP settlements or carrier filings change its monthly score.