Arkansas

Home insurance overview — 374 ZIP codes, 319 cities

Avg Premium (2025 Est.)

$1,947

+12.1% from 2022

Nonrenewal Rate

0.89%

5yr Storm Damage

$808.1M

Arkansas Risk Map

Cities

City	ZIP Codes	Avg Premium	Stress Score	YoY	Risk
Luxora	1	$1,936	75	+7.9%	High
Saratoga	1	$2,500	74	+21.4%	High
Lepanto	1	$1,882	74	+11.2%	High
Branch	1	$2,001	74	+18.0%	High
Cedarville	1	$1,989	73	+14.2%	High
Monette	1	$1,949	73	+13.6%	High
Joiner	1	$2,083	72	+14.0%	High
Osceola	1	$2,101	71	+10.6%	High
Maynard	1	$1,821	71	+13.0%	High
Altheimer	1	$2,044	70	+14.3%	High
Chester	1	$2,007	69	+19.5%	High
Sulphur Springs	1	$2,291	69	+13.2%	High
Morrow	1	$2,039	68	+16.1%	High
Hughes	1	$2,703	68	+10.4%	High
Parkin	1	$1,971	68	+9.5%	High
Winslow	1	$2,069	68	+11.6%	High
Decatur	1	$2,003	67	+11.8%	High
Wilson	1	$2,577	67	+13.3%	High
Center Ridge	2	$1,941	67	+13.1%	High
Weiner	1	$2,070	66	+15.0%	High
Lincoln	1	$2,000	66	+13.4%	High
Scott	1	$2,328	66	+9.3%	High
Humphrey	1	$2,000	66	+14.1%	High
Smackover	1	$2,008	65	+8.7%	High
Bay	1	$1,797	65	+16.6%	High
Hartford	1	$1,867	65	+15.3%	High
Jennette	1	$2,124	65	+9.6%	High
Ozark Acres	1	$1,936	65	+14.8%	High
Watson	1	$2,022	65	+7.9%	High
Marked Tree	1	$1,922	64	+11.9%	High
Ravenden	1	$1,895	64	+12.9%	High
Guy	1	$1,858	64	+14.4%	High
Earle	1	$2,134	64	+11.1%	High
Imboden	1	$1,877	64	+13.5%	High
Roland	1	$3,217	64	+13.7%	High
Cave Springs	1	$2,523	64	+18.5%	High
Jonesboro	2	$2,152	64	+9.1%	High
Wesley	1	$2,205	64	+13.3%	High
Lake City	1	$1,795	64	+11.0%	High
Crystal Springs	1	$2,175	63	+12.3%	High
North Little Rock	4	$2,023	63	+11.5%	High
Helena-West Helena	2	$2,029	63	+10.0%	High
Sherrill	1	$2,326	63	+11.9%	High
Wiederkehr Village	1	$1,700	63	+12.6%	High
Blytheville	1	$2,118	63	+11.1%	High
Little Rock	12	$2,536	63	+11.0%	High
Lake Village	1	$2,113	62	+8.0%	High
Uniontown	1	$1,910	62	+17.1%	High
Jacksonville	1	$1,975	62	+12.2%	High
McNab	1	$2,560	62	+15.3%	High
Coal Hill	1	$1,955	62	+16.5%	High
Desha	1	$1,875	62	+13.8%	High
Cotter	1	$2,099	61	+11.5%	High
Lewisville	1	$1,712	61	+12.8%	High
Forrest City	1	$2,083	61	+11.1%	High
Dover	1	$1,999	61	+14.0%	High
Caldwell	1	$2,104	61	+12.6%	High
Mineral Springs	1	$1,977	61	+16.9%	High
Eudora	1	$2,022	61	+11.1%	High
Delight	1	$1,745	60	+12.2%	Elevated
Rudy	1	$2,129	60	+13.7%	Elevated
Mount Vernon	1	$2,098	60	+10.8%	Elevated
Mount Holly	1	$2,232	60	+13.8%	Elevated
Mountain Pine	1	$1,880	60	+10.6%	Elevated
Gateway	1	$2,470	60	+13.6%	Elevated
Hackett	1	$1,848	60	+12.4%	Elevated
Leachville	1	$2,008	60	+11.5%	Elevated
Hector	1	$1,917	59	+14.5%	Elevated
Brookland	1	$1,785	59	+13.3%	Elevated
Oakland	2	$2,041	59	+12.6%	Elevated
Elaine	1	$1,805	59	+10.9%	Elevated
Prattsville	1	$2,074	59	+11.3%	Elevated
Pearcy	2	$2,129	59	+11.9%	Elevated
Rector	1	$1,728	59	+9.1%	Elevated
Bentonville	2	$2,528	59	+19.2%	Elevated
England	1	$2,035	59	+12.4%	Elevated
Wynne	1	$2,000	59	+11.9%	Elevated
Rogers	2	$2,380	59	+13.9%	Elevated
Tyronza	1	$2,118	59	+16.1%	Elevated
Leola	1	$2,060	58	+13.9%	Elevated
Biggers	1	$1,659	58	+11.7%	Elevated
Lake View	1	$1,865	58	+12.3%	Elevated
Carlisle	1	$1,871	58	+13.9%	Elevated
West Memphis	1	$2,003	58	+8.9%	Elevated
Mountainburg	1	$2,064	58	+14.2%	Elevated
Siloam Springs	1	$2,043	58	+12.2%	Elevated
Fayetteville	3	$2,466	58	+14.2%	Elevated
Mayflower	1	$1,976	58	+11.9%	Elevated
Caraway	1	$1,766	58	+9.1%	Elevated
Springdale	2	$2,155	58	+13.3%	Elevated
Gravette	2	$2,013	58	+13.5%	Elevated
West Fork	1	$2,107	58	+13.6%	Elevated
Caddo Gap	1	$1,925	58	+10.1%	Elevated
Morrilton	1	$1,932	58	+13.0%	Elevated
Highfill	1	$1,930	58	+10.3%	Elevated
Oden	1	$1,988	57	+14.9%	Elevated
Sherwood	1	$2,040	57	+10.8%	Elevated
Western Grove	1	$1,858	57	+14.1%	Elevated
Hope	1	$1,846	57	+14.0%	Elevated
Prairie Grove	1	$2,091	57	+14.9%	Elevated
Highland	1	$1,883	57	+10.9%	Elevated
Clarendon	1	$1,887	57	+12.1%	Elevated
Lockesburg	1	$1,782	57	+11.3%	Elevated
Eureka Springs	1	$2,622	57	+15.4%	Elevated
Everton	1	$1,858	56	+13.6%	Elevated
Pineville	1	$1,782	56	+17.8%	Elevated
Pine Bluff	4	$2,061	56	+12.1%	Elevated
Pea Ridge	1	$1,859	56	+13.0%	Elevated
Edmondson	1	$2,275	56	+11.2%	Elevated
Holly Grove	1	$1,947	56	+12.3%	Elevated
Pocahontas	1	$1,908	56	+11.8%	Elevated
West Crossett	1	$1,793	56	+11.1%	Elevated
Bono	1	$1,857	56	+10.7%	Elevated
Taylor	1	$1,725	56	+12.5%	Elevated
Poyen	1	$2,018	56	+17.3%	Elevated
McCrory	1	$1,874	56	+12.3%	Elevated
Winthrop	1	$1,946	56	+12.2%	Elevated
Diamond City	1	$1,916	56	+12.0%	Elevated
Griffithville	1	$2,030	56	+17.7%	Elevated
Springfield	2	$1,777	56	+13.5%	Elevated
Concord	2	$1,800	56	+11.0%	Elevated
Cherry Valley	1	$1,878	55	+11.7%	Elevated
Maumelle	1	$2,279	55	+10.0%	Elevated
Omaha	1	$2,018	55	+9.3%	Elevated
Keiser	1	$1,672	55	+13.7%	Elevated
Louann	1	$1,740	55	+7.9%	Elevated
Warren	1	$1,923	55	+13.4%	Elevated
Dumas	1	$1,852	55	+11.5%	Elevated
Plumerville	1	$1,923	55	+14.9%	Elevated
Trumann	1	$1,721	55	+14.1%	Elevated
Piggott	1	$1,717	55	+11.9%	Elevated
Mammoth Spring	1	$1,809	55	+9.0%	Elevated
Barling	2	$1,847	55	+13.3%	Elevated
Cincinnati	1	$2,066	55	+8.0%	Elevated
Jasper	2	$1,758	54	+10.5%	Elevated
Twin Groves	1	$1,829	54	+13.6%	Elevated
El Dorado	1	$2,098	54	+11.6%	Elevated
Kensett	1	$1,903	54	+19.3%	Elevated
Gamaliel	2	$1,769	54	+9.8%	Elevated
Lafe	1	$1,717	54	+12.0%	Elevated
Magazine	1	$1,732	54	+11.8%	Elevated
Murfreesboro	1	$1,934	54	+12.3%	Elevated
Ratcliff	1	$1,618	54	+8.0%	Elevated
Fort Smith	5	$2,185	54	+12.2%	Elevated
Bella Vista	2	$2,005	54	+11.6%	Elevated
Salem	1	$1,767	54	+11.6%	Elevated
Newport	1	$1,842	54	+12.1%	Elevated
Havana	1	$1,691	54	+14.1%	Elevated
Hamburg	1	$1,742	54	+12.0%	Elevated
Stuttgart	1	$2,049	54	+11.2%	Elevated
New Blaine	2	$1,924	54	+11.1%	Elevated
Holiday Island	1	$2,488	53	+11.6%	Elevated
Lowell	1	$1,945	53	+12.3%	Elevated
Edgemont	1	$2,307	53	+10.1%	Elevated
McGehee	1	$1,785	53	+12.4%	Elevated
Chidester	1	$1,718	53	+14.4%	Elevated
Prescott	1	$1,788	53	+11.9%	Elevated
DeWitt	1	$1,684	53	+11.9%	Elevated
Lonoke	1	$2,100	53	+13.6%	Elevated
Jerusalem	1	$1,908	53	+16.0%	Elevated
Hot Springs	2	$2,242	53	+12.2%	Elevated
Marianna	1	$2,041	53	+12.6%	Elevated
Tumbling Shoals	1	$2,020	53	+10.8%	Elevated
Mansfield	1	$1,780	53	+16.0%	Elevated
Harrisburg	1	$1,910	53	+13.8%	Elevated
Greers Ferry	1	$1,892	53	+8.5%	Elevated
Greenwood	1	$2,002	53	+12.6%	Elevated
Melbourne	1	$2,002	53	+11.9%	Elevated
Cabot	1	$2,125	53	+11.7%	Elevated
Bee Branch	1	$2,195	53	+16.3%	Elevated
Alma	1	$2,159	53	+14.1%	Elevated
McRae	1	$1,823	52	+12.2%	Elevated
Hot Springs Village	3	$1,866	52	+10.2%	Elevated
Stamps	1	$1,548	52	+12.4%	Elevated
Farmington	1	$2,023	52	+12.7%	Elevated
Mulberry	1	$1,908	52	+11.6%	Elevated
Russellville	2	$1,980	52	+13.6%	Elevated
Van Buren	1	$1,984	52	+12.3%	Elevated
Smithville	1	$1,773	52	+15.0%	Elevated
Quitman	1	$1,980	52	+10.6%	Elevated
Enola	1	$1,854	52	+14.4%	Elevated
Texarkana	1	$2,010	52	+11.6%	Elevated
Arkadelphia	1	$1,959	52	+12.8%	Elevated
Paragould	1	$1,880	51	+10.6%	Elevated
Evening Shade	1	$1,681	51	+10.8%	Elevated
Dennard	1	$1,839	51	+12.2%	Elevated
Redfield	2	$1,850	51	+10.4%	Elevated
Goodwin	1	$1,710	51	+9.4%	Elevated
Hoxie	1	$1,535	51	+9.3%	Elevated
Perryville	1	$1,823	51	+15.2%	Elevated
Waldo	1	$1,702	51	+9.3%	Elevated
Huttig	1	$1,508	51	+8.3%	Elevated
Hartman	1	$1,742	51	+13.7%	Elevated
Pindall	1	$1,880	51	+10.4%	Elevated
Junction City	1	$1,854	51	+11.1%	Elevated
Horatio	1	$1,740	51	+13.6%	Elevated
Horseshoe Bend	1	$1,892	51	+11.1%	Elevated
Norfork	1	$1,915	51	+10.9%	Elevated
Glenwood	1	$1,965	51	+10.8%	Elevated
Powhatan	1	$1,944	51	+9.9%	Elevated
Calico Rock	1	$1,760	51	+10.4%	Elevated
Benton	3	$2,279	51	+12.1%	Elevated
Emerson	1	$1,770	51	+11.1%	Elevated
Camden	1	$1,983	51	+13.4%	Elevated
El Paso	1	$1,947	51	+12.0%	Elevated
Lamar	1	$1,955	50	+11.4%	Elevated
Fairfield Bay	1	$1,965	50	+9.1%	Elevated
Yellville	1	$1,892	50	+12.4%	Elevated
Rose Bud	1	$1,897	50	+12.2%	Elevated
Gregory	1	$1,649	50	+11.6%	Elevated
Hattieville	1	$1,754	50	+15.8%	Elevated
Marion	1	$2,148	50	+10.7%	Elevated
Marshall	1	$2,044	49	+13.1%	Elevated
Hampton	1	$1,980	49	+13.7%	Elevated
Magnolia	1	$1,928	49	+11.5%	Elevated
Black Rock	1	$1,828	49	+8.4%	Elevated
Austin	1	$1,952	49	+13.1%	Elevated
Violet Hill	1	$1,632	49	+8.0%	Elevated
Huntsville	1	$1,902	49	+11.5%	Elevated
Ward	1	$1,845	49	+11.0%	Elevated
Centerton	1	$2,030	49	+14.5%	Elevated
Monticello	1	$1,904	49	+11.0%	Elevated
Dermott	1	$1,785	49	+13.5%	Elevated
Henderson	3	$1,798	49	+11.7%	Elevated
Kirby	2	$1,855	49	+11.1%	Elevated
Atkins	1	$1,762	49	+12.4%	Elevated
Flippin	1	$1,793	49	+10.2%	Elevated
Houston	1	$1,699	49	+11.9%	Elevated
Cherokee Village	1	$1,718	49	+9.8%	Elevated
Tuckerman	1	$1,722	48	+17.3%	Elevated
Batesville	1	$1,917	48	+11.5%	Elevated
Clinton	1	$1,827	48	+9.3%	Elevated
Swifton	1	$1,526	48	+14.1%	Elevated
Ozark	1	$1,895	48	+12.1%	Elevated
Bigelow	1	$1,970	48	+11.0%	Elevated
Hatfield	1	$1,752	48	+15.0%	Elevated
Fouke	1	$1,732	48	+9.3%	Elevated
Foreman	1	$1,755	48	+12.8%	Elevated
Huntington	1	$1,805	48	+13.5%	Elevated
De Queen	1	$1,763	48	+10.4%	Elevated
London	1	$1,850	48	+10.5%	Elevated
Manila	1	$1,829	48	+9.5%	Elevated
Harrison	1	$1,962	48	+12.0%	Elevated
Marmaduke	1	$1,792	48	+9.5%	Elevated
Fordyce	1	$1,811	48	+17.5%	Elevated
Ola	1	$1,593	47	+11.2%	Elevated
Viola	1	$1,781	47	+9.4%	Elevated
Lakeview	1	$1,770	47	+10.7%	Elevated
Floral	1	$1,652	47	+12.3%	Elevated
Drasco	1	$2,248	47	+10.3%	Elevated
Berryville	1	$1,924	47	+11.5%	Elevated
Corning	1	$1,820	47	+13.6%	Elevated
Malvern	1	$1,948	47	+11.4%	Elevated
Hindsville	1	$2,032	46	+12.4%	Elevated
Plainview	1	$1,728	46	+16.0%	Elevated
Newark	1	$1,657	46	+12.5%	Elevated
Danville	1	$1,824	46	+12.3%	Elevated
Gassville	1	$1,728	46	+11.2%	Elevated
Floyd	1	$1,887	46	+14.0%	Elevated
Ash Flat	1	$1,739	46	+9.5%	Elevated
Rison	1	$1,706	45	+13.0%	Elevated
Vilonia	1	$1,989	45	+12.3%	Elevated
Walnut Ridge	1	$1,805	45	+14.1%	Elevated
Pottsville	1	$1,738	45	+12.7%	Elevated
Booneville	1	$1,856	45	+13.6%	Elevated
Knoxville	1	$2,000	45	+13.3%	Elevated
Dardanelle	1	$1,831	45	+13.5%	Elevated
Judsonia	1	$1,874	45	+9.5%	Elevated
Hermitage	1	$1,717	45	+8.0%	Elevated
Conway	2	$1,978	45	+11.2%	Elevated
Mount Ida	2	$1,787	45	+8.9%	Elevated
Bismarck	1	$1,848	45	+11.0%	Elevated
Searcy	1	$1,961	45	+11.6%	Elevated
Clarksville	1	$1,875	45	+13.2%	Elevated
Charleston	1	$1,912	44	+12.9%	Elevated
Shirley	2	$1,645	44	+9.1%	Elevated
Traskwood	1	$1,955	44	+13.7%	Elevated
Mountain Home	1	$1,892	44	+11.6%	Elevated
Greenbrier	1	$1,938	44	+12.3%	Elevated
Ashdown	1	$1,811	44	+14.0%	Elevated
Strong	1	$1,642	44	+9.4%	Elevated
Stephens	1	$1,726	44	+8.7%	Elevated
Goshen	1	$1,867	44	+11.8%	Elevated
Nashville	1	$1,896	44	+12.8%	Elevated
Brinkley	1	$1,863	44	+10.3%	Elevated
East End	1	$2,024	44	+12.5%	Elevated
Sheridan	1	$1,919	44	+10.9%	Elevated
Bradford	1	$1,755	43	+8.2%	Elevated
Norman	1	$1,538	43	+7.9%	Elevated
Heber Springs	1	$2,008	43	+10.1%	Elevated
Beebe	1	$1,859	43	+11.4%	Elevated
Green Forest	1	$1,750	43	+9.6%	Elevated
Oxford	1	$1,809	43	+18.0%	Elevated
Mount Pleasant	1	$1,676	43	+11.4%	Elevated
Bryant	2	$2,068	42	+12.7%	Elevated
De Valls Bluff	1	$1,619	42	+10.3%	Elevated
Star City	1	$1,665	42	+10.0%	Elevated
Cave City	1	$1,596	41	+11.1%	Elevated
Gurdon	1	$1,816	41	+13.3%	Elevated
Alpena	1	$1,687	41	+8.6%	Elevated
Midway	2	$1,777	41	+11.7%	Elevated
Bull Shoals	1	$1,690	41	+10.1%	Elevated
Sulphur Rock	2	$1,661	40	+8.2%	Moderate
Mena	1	$1,947	40	+12.2%	Moderate
Bald Knob	1	$1,891	40	+11.4%	Moderate
Pangburn	1	$1,785	40	+8.0%	Moderate
Corinth	1	$1,637	40	+10.3%	Moderate
Marvell	1	$1,717	40	+9.9%	Moderate
Paris	1	$1,660	39	+12.1%	Moderate
Bearden	1	$1,689	39	+11.2%	Moderate
Mountain View	1	$1,833	39	+11.3%	Moderate
Morrison Bluff	1	$1,580	39	+9.8%	Moderate
Des Arc	1	$1,717	38	+12.8%	Moderate
Hazen	1	$1,754	38	+13.2%	Moderate
Bauxite	1	$1,883	38	+9.5%	Moderate
Waldron	1	$1,667	37	+12.5%	Moderate
Cove	1	$1,519	35	+11.7%	Moderate
Thornton	1	$1,536	35	+11.4%	Moderate
Pleasant Plains	1	$1,565	33	+9.9%	Moderate

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Highest Risk ZIPs

Safest ZIPs

Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.