Little Rock, AR

12 ZIP codes — Arkansas

Compare quotes in Little Rock, AR

See rates from top carriers

Avg Premium (2025 Est.)

$2,536

+11.0% from 2022

Stress Score

63/100

Nonrenewal Rate

0.84%

Insurance/Income

3.4%

ZIP Codes in Little Rock

ZIP	Avg Premium	Stress Score	Risk
72202	$2,323	76	High
72209	$1,854	69	High
72206	$1,931	65	High
72207	$2,980	64	High
72204	$1,840	63	High
72212	$2,882	63	High
72223	$3,052	61	High
72205	$1,990	60	Elevated
72210	$2,155	60	Elevated
72227	$2,411	59	Elevated
72211	$2,172	57	Elevated
72103	$1,825	53	Elevated

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.