Arkansas Home-Insurance Distress by County

Across Arkansas, insurance distress averages 59/100 at the county level — well above the national norm, ranking 9th nationally. Every one of Arkansas's 75 counties is monitored for coverage pressure — the force that pushes owners to list before any default shows.

Behind the state number sit an average FEMA hazard score of 72/100 and average NFIP flood-claim stress of 46/100, the hazard basis insurers use to reprice Arkansas coverage.

The takeaway for Arkansas is that insurance is now an acquisition signal in its own right — not a footnote to the mortgage — and the county table lets you act on it market by market.

Across Arkansas, the insurance read is layered with foreclosure, bank-stress and ownership signals on the same parcels, so a rising premium and a looming default show up together rather than in isolation.

Because Arkansas is rebuilt monthly from fresh FEMA, NFIP and carrier inputs, its #9 national rank and county order move with actual conditions, not a fixed snapshot.

Underneath the Arkansas headline sit three separable layers — hazard exposure, flood-loss history and carrier pullback — each scored on its own before rolling up, so the state number describes a mix of risks rather than a single cause.

In 32 Arkansas counties the score tops 70 (severe) — the markets where keeping a policy is the real problem.

A well above the national norm statewide reading tells a Arkansas buyer the coverage squeeze is present but concentrated — the work is finding the counties carrying it, which the ranked list below does.

Arkansas's three-year flood-loss record — 350 claims, $17,849,590 paid — is the evidence carriers cite for pullback.

At the top of the Arkansas table sits Sharp County (93/100) and Randolph County. All Arkansas counties are listed below in distress order, each one clickable for the detail.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — wired to parcel-level foreclosure and ownership records. So in Arkansas you can find the owners whose breaking point is the insurance bill, before they list.