Arkansas Homeowners Insurance

Compiled by PlainInsure · May 15, 2026

U.S. Treasury FIO data for 373 ZIP codes in Arkansas (AR).

The verdict

According to U.S. Treasury FIO filings, Arkansas ranks #26 of 51 by average premium ($1,736/yr) ≠ #31 of 50 by nonrenewal (0.89%). Cost rank is not withdrawal rank.

$1,736
State avg premium (#26 of 51): #31
Nonrenewal of 50 (0.89%): 72223
In-state premium ZIP #1 ($3,052): 72207
In-state nonrenewal ZIP #1 (0.69%)

Premium rank counts states with a reported average premium, highest first, abbreviation tiebreak. Nonrenewal rank counts states that publish a rate. In-state ZIP #1s are separate extracts.

Arkansas vs all states by ZIP-mean homeowners premium

Where this state's average ZIP premium sits among every state that reports one (lower is better for homeowners)

$1,736 Around the middle lower premium than 49% of 51 states

States, banded by ZIP-mean annual homeowners premium (FIO)

Each bar is a $0.001K-wide band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source U.S. Treasury FIO Homeowners Insurance Markets Report · 2018–2022

Homeowners in Arkansas pay an average of $1,736 per year for home insurance - 2% below the national average of $1,776. That ranks Arkansas as the 26th most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums rose by 3.4%; loss ratios near 100% suggest insurers are operating on thin margins in this state.

On five-year premium growth (2018–2022), Arkansas ranks 33rd out of 51 states. Its nonrenewal rate (0.89%) ranks 31st out of 50 - nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

According to the U.S. Department of the Treasury, Federal Insurance Office - "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for how the state rank and comparison are calculated.

How Arkansas Compares

vs National Average

$1,736 vs $1,776

2% below national avg

Rank Among States

26th of 51

most expensive for homeowners insurance

Loss Ratio vs National

96.7% vs 58.0%

insurers pay out more per premium dollar here

Avg Premium

$1,736/yr

National avg: $1,776 (-2% below)

Premium Change

+3.4%

2018-2022 change

Avg Loss Ratio

96.7%

Claims paid vs premiums earned

Nonrenewal Rate

0.89%

-9.7% change

Data Snapshot: Arkansas Homeowners Insurance

Across the 373 Arkansas ZIP codes in the U.S. Treasury FIO data, the average annual home insurance premium is $1,736. That is an average of ZIP codes, in which a ZIP of a few hundred people counts the same as one of tens of thousands. Weighting each ZIP by its population, closer to what a typical Arkansas homeowner pays, gives $1,982 per year. That is 2% below the national average of $1,776 per year reported by the Federal Insurance Office. Arkansas ranks 26th most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $1,338 in 72471 to $3,052 in 72223.

Between 2018 and 2022, average premiums rose by 3.4% in Arkansas, placing the state 33rd nationally on five-year premium growth. The state-level loss ratio averaged 96.7%, meaning insurers are operating on thin margins, which can precede rate filings. Nonrenewal rates, the share of policies insurers decline to extend at expiration, averaged 0.89% across the ZIP codes that report one (89% of the state's ZIP codes; those without a published rate are smaller and higher-premium on average, so this figure is likely conservative), a decline of 9.7% over the study period (ranking 31st out of 50 states).

Within Arkansas, premium dispersion across ZIP codes is substantial: the most expensive ZIP (72223 in Little Rock) charges 128% more than the least expensive (72471 in Swifton), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is a FIO registry extract, not a quote or a recommendation.

How to read these figures: state averages on this page are computed from U.S. Treasury Federal Insurance Office data, which the office collects directly from the largest homeowners insurers and reports at the ZIP-code level. A statewide average blends expensive coastal and wildfire-exposed markets with lower-cost inland areas, so the figure is a useful benchmark but will understate what some residents pay and overstate what others pay. The loss ratio is the share of every premium dollar that insurers returned as claims; sustained ratios near or above one signal a market under pressure, where rate increases, tighter underwriting, or nonrenewals tend to follow. Claim frequency and nonrenewal rates show how often policies result in claims and how often insurers decline to renew, both of which track local catastrophe exposure. Treat the state number as a registry average, then open the ZIP table below for the same filing year's local premium and nonrenewal extracts.

Loss Ratio Reading: Arkansas

Arkansas statewide - FIO 2018-2022 average: 97% (Consumer-favorable) - near break-even, premium pressure likely in next renewal cycle.

ZIP Codes Tracked

373

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$1,680	$1,653	65.6%	8.68%	0.99%
2019	$1,686 (+0.4%)	$1,661	54.5%	7.92%	0.84%
2020	$1,699 (+0.8%)	$1,670	65.2%	9.37%	0.63%
2021	$1,706 (+0.4%)	$1,663	60.7%	8.00%	0.83%
2022	$1,736 (+1.8%)	$1,697	96.7%	10.65%	0.89%

Average homeowners premium per year in Arkansas.

Most Expensive ZIP Codes in Arkansas

Most Affordable ZIP Codes in Arkansas

All ZIP Codes in Arkansas

373 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
72223	Little Rock	$3,052	65.4%	10.22%	0.39%
72207	Little Rock	$2,980	48.4%	5.74%	0.69%
72212	Little Rock	$2,882	42.2%	8.68%	0.67%
72135	Roland	$2,829	47.0%	8.70%	0.28%
72348	Hughes	$2,449	102.1%	10.93%	1.19%
72227	Little Rock	$2,411	30.4%	7.46%	0.36%
72122	Paron	$2,404	170.3%	20.82%	N/A
72703	Fayetteville	$2,352	54.3%	7.85%	0.34%
72903	Fort Smith	$2,334	186.5%	27.02%	0.72%
72202	Little Rock	$2,323	33.3%	6.37%	1.33%
72712	Bentonville	$2,296	60.8%	8.43%	0.56%
72395	Wilson	$2,275	59.3%	9.15%	0.70%
72632	Eureka Springs	$2,272	16.2%	3.31%	0.47%
72758	Rogers	$2,245	76.4%	7.80%	0.56%
72631	Eureka Springs	$2,230	15.3%	3.15%	0.39%
71838	Fulton	$2,220	17.3%	3.01%	0.75%
72701	Fayetteville	$2,183	53.1%	7.59%	0.65%
72732	Garfield	$2,173	28.4%	5.52%	0.49%
72211	Little Rock	$2,172	48.0%	8.04%	0.51%
72210	Little Rock	$2,155	69.7%	8.68%	0.49%
72916	Fort Smith	$2,151	813.2%	77.78%	0.44%
72142	Scott	$2,130	101.4%	12.01%	1.18%
72718	Cave Springs	$2,129	53.0%	5.79%	0.81%
72404	Jonesboro	$2,103	63.8%	9.05%	0.80%
72044	Edgemont	$2,095	49.5%	7.13%	0.48%
72152	Sherrill	$2,079	50.9%	13.85%	N/A
72113	Maumelle	$2,072	54.5%	8.12%	0.49%
71859	Saratoga	$2,059	44.0%	8.91%	0.99%
72376	Proctor	$2,046	45.7%	7.50%	0.36%
72530	Drasco	$2,038	23.3%	4.05%	0.31%
72116	North Little Rock	$2,029	34.2%	6.73%	0.67%
72768	Sulphur Springs	$2,024	33.6%	6.11%	N/A
72019	Benton	$2,012	171.9%	23.13%	0.43%
71913	Hot Springs National Park	$2,009	54.0%	7.16%	0.56%
72205	Little Rock	$1,990	32.4%	6.66%	0.68%
72342	Helena	$1,988	60.7%	14.65%	3.08%
71901	Hot Springs National Park	$1,988	35.4%	6.11%	0.72%
72762	Springdale	$1,972	231.4%	27.58%	0.70%
71758	Mount Holly	$1,961	7.0%	2.53%	N/A
71653	Lake Village	$1,957	110.2%	12.56%	1.21%
72668	Peel	$1,953	21.2%	3.96%	0.99%
71603	Pine Bluff	$1,952	53.5%	7.34%	1.29%
72773	Wesley	$1,946	63.7%	6.75%	1.23%
71933	Bonnerdale	$1,945	42.1%	10.21%	0.43%
72704	Fayetteville	$1,943	59.7%	7.70%	0.68%
72364	Marion	$1,940	49.6%	9.43%	0.63%
71601	Pine Bluff	$1,938	34.7%	7.41%	2.01%
72327	Crawfordsville	$1,937	45.6%	10.67%	1.19%
71968	Royal	$1,937	52.9%	6.97%	1.00%
72756	Rogers	$1,934	49.3%	6.22%	0.63%
72206	Little Rock	$1,931	38.3%	7.07%	1.01%
72331	Earle	$1,921	39.0%	7.47%	1.72%
72769	Summers	$1,914	186.5%	14.29%	0.84%
72315	Blytheville	$1,907	56.3%	7.99%	1.34%
72023	Cabot	$1,903	280.2%	36.94%	0.85%
72370	Osceola	$1,900	425.3%	59.07%	2.19%
72034	Conway	$1,895	145.6%	19.75%	0.42%
72908	Fort Smith	$1,894	320.0%	46.36%	0.38%
72111	Mount Vernon	$1,893	27.1%	6.37%	0.75%
72921	Alma	$1,893	95.4%	13.49%	0.41%
72851	New Blaine	$1,889	208.8%	24.44%	0.74%
72013	Bee Branch	$1,888	22.1%	5.12%	0.26%
72626	Cotter	$1,882	27.1%	4.37%	1.09%
72736	Gravette	$1,880	63.8%	6.61%	0.35%
71730	El Dorado	$1,880	53.2%	9.88%	0.85%
72335	Forrest City	$1,875	66.3%	13.98%	1.12%
71674	Watson	$1,873	19.6%	4.95%	N/A
72952	Rudy	$1,872	142.5%	15.69%	0.59%
71909	Hot Springs Village	$1,870	62.4%	8.66%	0.49%
72326	Colt	$1,869	30.2%	7.00%	0.58%
72129	Prattsville	$1,864	28.1%	7.27%	1.82%
71964	Pearcy	$1,860	31.1%	5.59%	1.09%
72774	West Fork	$1,856	28.8%	3.65%	0.57%
72959	Winslow	$1,855	20.2%	3.83%	1.06%
72209	Little Rock	$1,854	62.1%	10.29%	1.77%
72086	Lonoke	$1,849	59.5%	7.88%	0.53%
72002	Alexander	$1,847	57.9%	8.44%	0.40%
72662	Omaha	$1,847	39.1%	4.14%	0.90%
71762	Smackover	$1,847	31.3%	4.83%	1.88%
72401	Jonesboro	$1,844	102.1%	12.90%	0.86%
72160	Stuttgart	$1,843	46.2%	8.35%	1.20%
72120	Sherwood	$1,841	82.5%	9.67%	0.73%
72715	Bella Vista	$1,841	72.6%	8.50%	0.44%
72204	Little Rock	$1,840	59.5%	7.44%	1.03%
72301	West Memphis	$1,840	36.1%	8.43%	1.32%
72764	Springdale	$1,831	287.6%	35.34%	0.94%
72350	Joiner	$1,827	224.5%	15.05%	1.08%
72103	Mabelvale	$1,825	79.0%	7.78%	1.17%
72386	Tyronza	$1,824	33.4%	8.86%	0.42%
72543	Heber Springs	$1,824	45.0%	5.13%	0.36%
72022	Bryant	$1,823	90.6%	15.54%	0.39%
72581	Tumbling Shoals	$1,823	35.3%	5.20%	0.87%
71602	White Hall	$1,822	29.8%	4.11%	0.97%
72753	Prairie Grove	$1,821	30.4%	4.86%	0.48%
72761	Siloam Springs	$1,820	48.6%	5.12%	0.79%
71640	Eudora	$1,819	143.8%	17.75%	N/A
72360	Marianna	$1,812	60.4%	11.36%	0.68%
72046	England	$1,810	83.5%	11.38%	0.86%
72738	Hindsville	$1,808	60.8%	6.59%	0.44%
72084	Leola	$1,808	205.8%	7.58%	1.52%
72946	Mountainburg	$1,808	26.5%	4.00%	0.67%
72650	Marshall	$1,807	39.4%	6.26%	0.49%
72802	Russellville	$1,802	103.4%	12.11%	0.38%
72438	Leachville	$1,802	141.2%	13.91%	0.87%
72088	Fairfield Bay	$1,801	102.8%	4.85%	0.83%
71854	Texarkana	$1,801	63.8%	9.08%	0.97%
72373	Parkin	$1,800	310.4%	13.25%	2.41%
72479	Weiner	$1,799	263.6%	26.64%	N/A
72065	Hensley	$1,799	37.3%	5.69%	0.27%
72730	Farmington	$1,795	40.4%	5.76%	0.47%
72358	Luxora	$1,793	157.0%	13.54%	2.08%
72030	Cleveland	$1,792	58.1%	9.73%	2.65%
72722	Decatur	$1,791	117.6%	6.78%	1.48%
72131	Quitman	$1,790	101.1%	5.71%	0.82%
72556	Melbourne	$1,789	94.3%	6.99%	0.98%
72004	Altheimer	$1,789	22.0%	4.13%	2.48%
72901	Fort Smith	$1,788	125.0%	17.73%	1.01%
72087	Lonsdale	$1,788	69.8%	7.67%	1.67%
72396	Wynne	$1,787	39.2%	5.68%	0.79%
72936	Greenwood	$1,778	71.0%	8.43%	0.82%
72550	Locust Grove	$1,777	12.8%	2.44%	2.44%
72016	Bigelow	$1,775	71.1%	10.33%	0.74%
71943	Glenwood	$1,774	55.0%	7.90%	0.50%
72719	Centerton	$1,772	34.5%	4.69%	0.42%
72173	Vilonia	$1,771	153.6%	14.96%	0.31%
72458	Powhatan	$1,768	142.6%	15.84%	0.99%
72956	Van Buren	$1,767	79.1%	9.35%	0.66%
72106	Mayflower	$1,766	262.9%	32.53%	1.11%
72845	Knoxville	$1,765	44.1%	7.04%	0.47%
72744	Lincoln	$1,764	37.2%	6.65%	1.54%
71950	Kirby	$1,762	15.6%	3.02%	1.01%
72076	Jacksonville	$1,761	74.8%	11.72%	1.09%
72143	Searcy	$1,757	102.9%	11.12%	0.55%
72717	Canehill	$1,757	352.3%	5.10%	1.02%
72846	Lamar	$1,755	39.9%	8.44%	0.66%
72837	Dover	$1,753	53.5%	7.22%	1.05%
72714	Bella Vista	$1,753	81.4%	9.14%	0.71%
72073	Humphrey	$1,753	72.3%	5.92%	1.78%
72117	North Little Rock	$1,753	45.6%	5.90%	1.30%
72601	Harrison	$1,752	43.9%	5.88%	0.65%
72734	Gentry	$1,750	75.2%	6.27%	0.80%
72114	North Little Rock	$1,749	20.5%	5.44%	1.45%
71701	Camden	$1,749	48.8%	8.03%	1.00%
71935	Caddo Gap	$1,748	19.6%	5.56%	N/A
72104	Malvern	$1,748	45.5%	7.33%	0.70%
72067	Higden	$1,744	44.8%	4.65%	0.90%
72132	Redfield	$1,742	42.2%	6.04%	0.65%
72932	Cedarville	$1,742	111.6%	7.72%	1.84%
71744	Hampton	$1,742	157.2%	8.71%	0.65%
71957	Mount Ida	$1,740	47.9%	6.84%	0.47%
72045	El Paso	$1,739	58.8%	9.88%	N/A
71923	Arkadelphia	$1,736	56.5%	7.91%	1.03%
71953	Mena	$1,736	51.9%	6.83%	0.37%
71866	Winthrop	$1,735	13.6%	5.49%	1.65%
72069	Holly Grove	$1,733	23.1%	9.41%	N/A
72745	Lowell	$1,732	31.6%	4.68%	0.48%
72150	Sheridan	$1,730	39.2%	6.71%	0.72%
71961	Oden	$1,730	48.5%	10.79%	N/A
71753	Magnolia	$1,729	64.9%	6.74%	0.84%
72658	Norfork	$1,727	32.8%	5.39%	0.45%
72616	Berryville	$1,726	43.2%	4.36%	0.76%
72007	Austin	$1,725	361.1%	47.98%	0.49%
72058	Greenbrier	$1,725	60.6%	8.11%	0.44%
72118	North Little Rock	$1,724	57.4%	8.14%	0.66%
72060	Griffithville	$1,724	25.4%	6.42%	N/A
71958	Murfreesboro	$1,722	42.5%	8.76%	0.23%
72128	Poyen	$1,720	23.2%	7.48%	1.36%
72011	Bauxite	$1,720	31.1%	6.58%	0.33%
72501	Batesville	$1,720	42.9%	6.32%	0.90%
72167	Traskwood	$1,719	171.0%	8.33%	0.38%
72365	Marked Tree	$1,718	152.8%	11.52%	0.91%
72447	Monette	$1,716	562.8%	30.07%	1.81%
71655	Monticello	$1,716	36.1%	5.69%	0.79%
72081	Judsonia	$1,711	46.8%	7.90%	0.96%
72947	Mulberry	$1,710	51.6%	6.67%	0.78%
72644	Lead Hill	$1,710	33.4%	5.69%	0.86%
72110	Morrilton	$1,710	58.0%	7.55%	1.03%
72941	Lavaca	$1,708	438.3%	44.89%	0.92%
72455	Pocahontas	$1,707	94.6%	6.99%	1.06%
72740	Huntsville	$1,706	39.5%	5.73%	0.79%
72675	Saint Joe	$1,703	94.0%	6.42%	N/A
72512	Horseshoe Bend	$1,702	94.4%	6.88%	0.79%
72390	West Helena	$1,701	72.6%	8.99%	1.83%
72450	Paragould	$1,700	147.2%	16.66%	0.82%
71956	Mountain Pine	$1,699	101.6%	8.04%	0.89%
72542	Hardy	$1,698	285.8%	34.19%	1.43%
72010	Bald Knob	$1,697	67.7%	6.56%	0.37%
71671	Warren	$1,697	33.5%	8.10%	1.67%
72928	Branch	$1,695	221.7%	22.34%	3.19%
72653	Mountain Home	$1,695	41.5%	5.81%	0.55%
72933	Charleston	$1,693	480.1%	41.99%	0.11%
72544	Henderson	$1,692	39.6%	5.28%	0.33%
72354	Lepanto	$1,692	309.4%	24.20%	1.78%
71851	Mineral Springs	$1,692	37.8%	7.17%	1.27%
72137	Rose Bud	$1,691	87.1%	8.81%	0.71%
72949	Ozark	$1,690	60.1%	4.86%	0.47%
72021	Brinkley	$1,688	117.0%	14.42%	0.58%
72482	Williford	$1,687	413.8%	47.86%	1.56%
72415	Black Rock	$1,687	215.9%	14.71%	0.59%
72801	Russellville	$1,684	66.2%	10.59%	0.95%
72029	Clarendon	$1,684	38.2%	11.76%	N/A
72687	Yellville	$1,683	30.2%	4.89%	0.80%
72324	Cherry Valley	$1,682	150.1%	9.06%	0.36%
71852	Nashville	$1,681	72.8%	8.55%	0.54%
72015	Benton	$1,680	82.9%	12.26%	0.89%
72934	Chester	$1,680	24.2%	4.58%	2.29%
72459	Ravenden	$1,679	231.0%	23.03%	1.12%
72432	Harrisburg	$1,679	132.0%	10.19%	0.46%
72832	Coal Hill	$1,678	45.9%	5.06%	N/A
72416	Bono	$1,677	119.8%	10.66%	0.67%
72843	Hector	$1,674	145.0%	7.21%	N/A
72847	London	$1,674	204.2%	20.45%	0.38%
72661	Oakland	$1,674	17.9%	3.52%	1.17%
72127	Plumerville	$1,673	34.7%	8.96%	0.56%
72031	Clinton	$1,672	48.4%	5.61%	0.81%
72727	Elkins	$1,670	50.3%	4.46%	0.68%
72442	Manila	$1,670	75.2%	6.52%	0.66%
72101	Mc Crory	$1,669	50.1%	8.35%	1.10%
72012	Beebe	$1,668	115.4%	12.77%	0.54%
71749	Junction City	$1,668	164.9%	9.85%	0.76%
72739	Hiwasse	$1,667	30.0%	5.56%	N/A
71929	Bismarck	$1,665	195.7%	22.74%	0.52%
72176	Ward	$1,662	273.5%	37.68%	0.82%
72032	Conway	$1,662	178.2%	19.73%	0.61%
72355	Lexa	$1,661	49.7%	10.06%	1.22%
71639	Dumas	$1,661	45.9%	9.34%	1.29%
72554	Mammoth Spring	$1,660	100.3%	13.02%	1.77%
72830	Clarksville	$1,656	49.9%	7.97%	0.55%
72136	Romance	$1,655	47.3%	7.17%	0.98%
72434	Imboden	$1,654	546.9%	41.84%	1.06%
72121	Pangburn	$1,653	62.8%	8.96%	0.36%
72153	Shirley	$1,648	119.5%	4.44%	1.01%
72527	Desha	$1,647	210.5%	6.02%	2.41%
72560	Mountain View	$1,647	33.6%	6.63%	0.22%
72751	Pea Ridge	$1,646	48.9%	8.60%	0.86%
72080	Jerusalem	$1,645	30.7%	3.54%	N/A
72937	Hackett	$1,645	132.2%	10.67%	1.12%
72537	Gamaliel	$1,644	23.6%	4.47%	N/A
72112	Newport	$1,643	87.5%	13.37%	1.06%
72024	Carlisle	$1,643	109.4%	14.73%	0.93%
72057	Grapevine	$1,641	21.8%	6.47%	N/A
72027	Center Ridge	$1,639	42.3%	9.55%	0.91%
72645	Leslie	$1,639	131.7%	7.76%	0.82%
72443	Marmaduke	$1,637	36.6%	5.63%	0.27%
72633	Everton	$1,636	108.8%	6.67%	1.27%
72641	Jasper	$1,635	53.6%	4.52%	1.36%
72927	Booneville	$1,634	62.0%	4.42%	0.42%
72955	Uniontown	$1,632	28.7%	4.48%	N/A
72685	Western Grove	$1,628	72.6%	10.00%	1.25%
72583	Viola	$1,627	493.3%	33.20%	N/A
72333	Elaine	$1,627	36.3%	11.11%	N/A
72634	Flippin	$1,627	14.1%	3.73%	0.84%
72833	Danville	$1,625	112.3%	6.32%	0.67%
72102	Mc Rae	$1,624	70.7%	10.72%	N/A
72061	Guy	$1,624	82.4%	13.64%	1.52%
72020	Bradford	$1,622	188.5%	6.06%	0.47%
72047	Enola	$1,621	47.5%	9.57%	0.48%
71801	Hope	$1,620	125.6%	20.33%	1.56%
72419	Caraway	$1,619	279.3%	31.91%	0.53%
72938	Hartford	$1,619	40.4%	6.42%	1.60%
72437	Lake City	$1,616	282.4%	35.45%	1.27%
71635	Crossett	$1,613	60.7%	7.29%	1.02%
72834	Dardanelle	$1,613	74.5%	8.64%	0.78%
72651	Midway	$1,612	16.3%	3.21%	0.36%
71751	Louann	$1,612	232.0%	7.69%	2.56%
72444	Maynard	$1,611	152.1%	5.56%	1.52%
72039	Damascus	$1,611	40.3%	7.87%	0.79%
72079	Jefferson	$1,607	155.8%	4.35%	N/A
71743	Gurdon	$1,603	92.0%	14.10%	0.54%
72422	Corning	$1,602	67.9%	5.85%	0.37%
71846	Lockesburg	$1,601	70.3%	6.25%	1.50%
72642	Lakeview	$1,599	13.4%	3.17%	0.60%
71832	De Queen	$1,597	39.1%	5.67%	0.98%
71857	Prescott	$1,597	101.1%	7.96%	1.35%
72638	Green Forest	$1,596	84.7%	9.71%	0.50%
72082	Kensett	$1,595	368.5%	21.54%	0.77%
71740	Emerson	$1,594	16.3%	4.17%	1.14%
72519	Calico Rock	$1,593	31.4%	7.86%	1.10%
72940	Huntington	$1,590	99.4%	6.77%	0.23%
71647	Hermitage	$1,590	34.0%	6.02%	0.75%
71822	Ashdown	$1,589	45.3%	6.59%	0.71%
72513	Ash Flat	$1,589	79.8%	13.21%	0.71%
72522	Charlotte	$1,589	10.3%	1.72%	N/A
71764	Stephens	$1,588	14.1%	3.80%	0.76%
71654	Mc Gehee	$1,588	59.2%	14.03%	0.91%
71837	Fouke	$1,585	83.9%	6.54%	1.26%
72461	Rector	$1,584	30.3%	5.45%	1.30%
72576	Salem	$1,584	502.5%	37.86%	1.36%
72126	Perryville	$1,582	41.9%	7.17%	0.90%
72476	Walnut Ridge	$1,582	912.6%	64.73%	0.49%
71921	Amity	$1,578	24.7%	4.03%	0.67%
72623	Clarkridge	$1,578	9.9%	4.76%	0.68%
72538	Gepp	$1,577	90.5%	18.52%	1.23%
72835	Delaware	$1,575	101.6%	9.55%	0.64%
72417	Brookland	$1,575	325.9%	29.65%	0.87%
72157	Springfield	$1,573	71.7%	10.12%	N/A
71638	Dermott	$1,573	96.5%	8.93%	0.30%
71941	Donaldson	$1,570	33.0%	5.06%	0.32%
72823	Atkins	$1,567	52.4%	6.85%	0.71%
72904	Fort Smith	$1,566	55.3%	8.47%	1.16%
72529	Cherokee Village	$1,565	520.3%	59.23%	0.83%
72372	Palestine	$1,563	48.2%	9.96%	0.36%
72366	Marvell	$1,562	78.0%	16.10%	0.42%
72531	Elizabeth	$1,557	23.8%	4.50%	N/A
72156	Solgohachia	$1,557	127.7%	17.80%	N/A
71770	Waldo	$1,557	29.3%	7.32%	0.92%
71836	Foreman	$1,556	30.3%	6.16%	0.91%
71646	Hamburg	$1,555	26.4%	6.82%	0.73%
71940	Delight	$1,555	42.7%	9.13%	N/A
72635	Gassville	$1,554	41.2%	4.73%	0.85%
72611	Alpena	$1,553	16.9%	6.60%	0.47%
72923	Barling	$1,550	188.9%	25.65%	0.86%
72943	Magazine	$1,550	98.7%	7.67%	1.28%
72064	Hazen	$1,549	156.8%	13.08%	0.48%
72648	Marble Falls	$1,546	31.6%	5.07%	1.45%
72466	Smithville	$1,542	39.5%	4.85%	0.97%
72858	Pottsville	$1,542	39.1%	5.91%	0.39%
72411	Bay	$1,542	31.1%	5.86%	N/A
71970	Story	$1,541	44.7%	6.21%	N/A
71742	Fordyce	$1,541	53.3%	8.51%	0.93%
72619	Bull Shoals	$1,535	27.9%	4.60%	0.53%
72454	Piggott	$1,534	40.4%	5.15%	0.86%
72944	Mansfield	$1,534	49.1%	8.05%	0.45%
72436	Lafe	$1,534	14.8%	1.96%	0.65%
72565	Oxford	$1,533	11.3%	2.54%	0.85%
71861	Taylor	$1,533	35.4%	4.35%	1.45%
72840	Hartman	$1,532	84.3%	5.53%	1.19%
71842	Horatio	$1,532	19.7%	4.55%	0.61%
71945	Hatfield	$1,523	102.2%	5.12%	N/A
72040	Des Arc	$1,522	729.8%	55.61%	0.26%
71720	Bearden	$1,518	102.8%	8.61%	0.66%
72070	Houston	$1,518	89.9%	7.05%	1.68%
71845	Lewisville	$1,517	169.0%	7.89%	2.26%
72532	Evening Shade	$1,517	102.8%	7.09%	0.75%
72063	Hattieville	$1,515	18.3%	3.81%	0.35%
71667	Star City	$1,514	43.9%	7.77%	0.68%
72566	Pineville	$1,513	9.9%	2.59%	0.86%
72584	Violet Hill	$1,512	13.2%	4.35%	0.87%
72821	Altus	$1,510	30.8%	6.90%	1.48%
71665	Rison	$1,510	34.3%	7.39%	0.90%
72472	Trumann	$1,508	152.1%	13.75%	0.88%
72042	De Witt	$1,505	72.1%	10.05%	1.91%
72561	Mount Pleasant	$1,504	66.8%	4.35%	0.54%
71726	Chidester	$1,502	51.1%	2.49%	1.00%
71765	Strong	$1,501	57.6%	7.64%	0.36%
72951	Ratcliff	$1,499	63.6%	7.43%	N/A
72857	Plainview	$1,490	112.5%	5.24%	0.87%
72413	Biggers	$1,485	21.9%	5.33%	2.67%
72824	Belleville	$1,484	81.7%	3.04%	0.76%
72842	Havana	$1,483	32.2%	2.91%	1.46%
72958	Waldron	$1,481	67.9%	7.60%	0.36%
72579	Sulphur Rock	$1,481	25.3%	3.08%	0.44%
72855	Paris	$1,481	133.6%	19.50%	0.23%
72006	Augusta	$1,477	351.9%	20.49%	N/A
72562	Newark	$1,473	38.0%	6.93%	0.66%
72534	Floral	$1,471	22.9%	4.74%	1.05%
72351	Keiser	$1,470	223.4%	17.65%	N/A
72473	Tuckerman	$1,468	181.3%	15.76%	0.61%
72041	De Valls Bluff	$1,468	128.7%	7.26%	N/A
72523	Concord	$1,467	1.0%	0.76%	N/A
72863	Scranton	$1,439	64.8%	4.58%	0.35%
72521	Cave City	$1,437	44.0%	6.27%	0.80%
72853	Ola	$1,432	65.3%	4.74%	N/A
71960	Norman	$1,425	41.4%	3.61%	0.60%
72568	Pleasant Plains	$1,424	63.8%	9.23%	0.38%
71949	Jessieville	$1,421	17.7%	4.97%	0.55%
72433	Hoxie	$1,405	721.6%	60.69%	0.94%
71747	Huttig	$1,392	5.6%	1.39%	0.69%
71766	Thornton	$1,379	38.9%	10.59%	N/A
71860	Stamps	$1,377	43.3%	7.23%	1.51%
72680	Timbo	$1,366	270.3%	11.19%	N/A
71937	Cove	$1,360	14.6%	2.64%	0.88%
72471	Swifton	$1,338	20.1%	6.14%	N/A

Arkansas Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How Arkansas compares to other states

Explore More Insurance Data

Premium Rankings

Most & least expensive ZIPs and states nationwide

Dental Insurance in Arkansas

DHMO vs DPPO premiums (NADP 2024)

Compare All States

Average premiums and nonrenewals across the U.S.

Natural-hazard context (FEMA NRI)

County National Risk Index scores joined to Arkansas ZIP codes in the same FIO filing year. This is hazard and vulnerability context from FEMA, not a premium driver table and not a quote.

Mean county risk score

66.3

29th of 50 states by mean score · national mean 69.3

Counties joined

Distinct county FIPS on Arkansas FIO ZIPs

Most common top hazard

Tornado

29 of 75 counties

Highest FEMA NRI counties in Arkansas
County	Risk score	Rating	Top hazard
Pulaski	96.8	Relatively High	Earthquake
Washington	92.3	Relatively Moderate	Heat Wave
Craighead	91.8	Relatively Moderate	Earthquake

Counties with elevated FEMA hazard ratings in Arkansas
Hazard	Elevated counties	Share of joined
Tornado	10	13%
Winter weather	6	8%
Hail	4	5%
Earthquake	1	1%
Flooding	1	1%

Elevated = FEMA Relatively High or Very High rating on that hazard column. Ratings are independent per hazard; a county can appear in more than one row.

Source: FEMA National Risk Index · research board: top counties by NRI score.

Nationwide states with similar insurance profiles

Two FIO peer sets for Arkansas: nearest other states by average homeowners premium and by statewide nonrenewal rate. These are cross-state neighborhoods, not the in-state ZIP table above.

Similar average premium

Nearest states by average homeowners premium ($1,736/yr here).

Tennessee $1,728/yr South Carolina $1,765/yr Georgia $1,769/yr Illinois $1,631/yr

Similar nonrenewal rate

Nearest states by average nonrenewal rate (0.89% here).

District of Columbia 0.89% Nevada 0.89% New Hampshire 0.89% Vermont 0.90%

Frequently Asked Questions

What is the average homeowners insurance cost in Arkansas? ▼

Averaged across the 373 Arkansas ZIP codes in the U.S. Treasury FIO data, the annual homeowners premium is $1,736 ($1,982 when each ZIP is weighted by population, which is closer to what a typical homeowner pays). This is 2% below the national average of $1,776.

How have insurance premiums changed in Arkansas? ▼

Arkansas homeowners insurance premiums changed by +3.4% between 2018 and 2022. The average loss ratio is 96.7%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in Arkansas? ▼

The most expensive ZIP code for homeowners insurance in Arkansas is 72223, with an average premium of $3,052/yr. The most affordable is 72471 at $1,338/yr.

What is the nonrenewal rate for Arkansas homeowners insurance? ▼

Averaged across the Arkansas ZIP codes that report one (89% of the state's ZIP codes), the nonrenewal rate is 0.89%. This rate has changed by -9.7% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 72207 has the highest nonrenewal rate in the state at 0.69%.

What is a loss ratio and what does Arkansas's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Arkansas's average loss ratio is 96.7%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in Arkansas? ▼

The average claim frequency in Arkansas is 10.65%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $14,981. Higher claim frequency and severity typically correlate with higher premiums.

What natural hazards drive risk in Arkansas? ▼

Across 75 FEMA National Risk Index counties that join to Arkansas ZIP codes in the FIO file, the mean county risk score is 66.3 (4% below the 50-state mean of 69.3). The most common county-level top hazard is Tornado (29 of 75 counties). Elevated (Relatively High or Very High) county ratings concentrate in Tornado (10), Winter weather (6), Hail (4). NRI scores are county hazard/vulnerability context from FEMA; they are not premiums and are not a quote.

Arkansas in the FIO registry

State averages sit next to ZIP-level premium and nonrenewal extracts from the same filing year.

Arkansas ZIP premiums and nonrenewal rates in the same table. ZIP table
National premium board versus the population-floored nonrenewal board. Rankings
How competition ranks and dual boards are derived. Methodology

State figures are five-year ZIP-level averages from U.S. Treasury FIO data, a benchmark, not a quote for any individual home.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

Browse all ZIPs → | Rankings → | All states →

Compiled by PlainInsure, Insurance Transparency Editorial Process · May 15, 2026

Source data: U.S. Treasury FIO · FEMA National Risk Index · NOAA Storm Events. See our methodology.

Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This state's figures are rendered directly from U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.

Arkansas Homeowners Insurance

How Arkansas Compares

Data Snapshot: Arkansas Homeowners Insurance

Loss Ratio Reading: Arkansas

Premium Trends (2018-2022)

Average premium in Arkansas, 2018–2022

Most Expensive ZIP Codes in Arkansas

Most Affordable ZIP Codes in Arkansas

All ZIP Codes in Arkansas

Arkansas Insurance Guides

Explore More Insurance Data

Natural-hazard context (FEMA NRI)

Nationwide states with similar insurance profiles

Similar average premium

Similar nonrenewal rate

Frequently Asked Questions

Related