Homeowners insurance in Arkansas: premium by ZIP code
Arkansas insurers paid 8.2 claims per 100 policies a year, ranked 2 of 51; the median ZIP code paid $1,698 in 2022.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, Arkansas (median ZIP code)
$1,698
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $2,262.
| Change from 2018 to 2022, after inflation | +2.7% |
| Premium per policy in 2018 | $1,653 |
| Premium per policy in 2022 | $1,698 |
| 2022 premium carried to September 2026 (BLS index) | $2,262 |
| Policies not renewed by the insurer, 2022 | 0.72% |
| Claims paid per 100 policies, yearly average | 8.2 |
| Average claim paid, 2018 to 2022 (adjusted) | $13,129 |
| Cancelled for nonpayment, 2022 | 2.16% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.
Compiled by Radif Partners · Where the numbers come from · 374 ZIP codes in 75 counties of Arkansas in the Treasury file · not a quote
Arkansas homeowners file claims more often than almost anyone else. Over 2018 to 2022, the median ZIP code in the Treasury file had 8.2 paid claims per 100 policies a year, second only to Louisiana, against 4.5 nationally. Each claim was modest, $13,129 on average, consistent with hail and wind damage to roofs rather than total losses. The premium per policy in the median ZIP code was $1,698 in 2022, ranked 19 of 51, and it rose +3.4% after inflation over five years. The strain shows in the loss ratio: insurers paid out 56% of premium in claims in 2022, up from 43%. Pulaski County around Little Rock had the highest county median, $2,029. Arkansas has no FAIR plan for homes. The data stop in 2022.
Claims in almost every year
Most states have one bad year and four ordinary ones. Arkansas had none below 7 paid claims per 100 policies, with a peak of 7.8 in 2020. Spring hail and tornado outbreaks across the state produce a steady flow of roof and siding claims. Insurers answer that pattern with higher wind and hail deductibles, often a percentage of the dwelling limit, and with roof schedules that pay older roofs at actual cash value. The roof claim calculator shows what that means on a claim.
An Arkansas hail claim on a 15-year roof
Example, not your result yet· change a figure to see yours
Actual cash value settlement
$3,600
| Value left in the roof | 40% |
| Depreciated roof value before deductible | $5,600 |
| Replacement cost before deductible | $14,000 |
Little Rock and Northwest Arkansas
Pulaski County's 19 ZIP codes had a median of $2,029 in 2022. The two fast-growing counties of Northwest Arkansas, Benton and Washington, paid $1,841 and $1,855, with rises of +6.2% and +7.0% after inflation. Sebastian County, around Fort Smith, was at $1,677. The dearest ZIP codes were 72223 and 72207, both in Pulaski County, at $3,052 and $2,980. The cheapest was 72471 in Jackson County, $1,338.
A loss ratio that kept rising
The paid loss ratio is the share of premium returned as claims. In Arkansas it went from 43% in 2018 to 52% in 2020 and 56% in 2022, above the national median every year. A rising ratio usually comes before rate filings, which is why the premium increases of 2023 and after, outside this file, were steep in hail states. The page on rising premiums carries the 2022 figure forward with the BLS index.
Renewals and where to turn
Insurers declined to renew 0.72% of policies in the median ZIP code in 2022, ranked 33 of 51. Cancellations for nonpayment ran at 2.16%. There is no residual market plan for homes in Arkansas listed in the Treasury report, so a declined home goes to the surplus lines market. Complaints go to the Arkansas Insurance Department.
Arkansas, year by year
| Year | Arkansas median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $1,653 | $1,445 | 0.81% | 7.1 | 43% |
| 2019 | $1,661 | $1,469 | 0.64% | 7 | 44% |
| 2020 | $1,670 | $1,491 | 0.45% | 7.8 | 52% |
| 2021 | $1,664 | $1,521 | 0.63% | 7.2 | 49% |
| 2022 | $1,698 | $1,551 | 0.72% | 7.5 | 56% |
The Arkansas counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| Pulaski County | 19 | $2,000 | $2,029 | +1.5% | 0.68% | $12,565 |
| Benton County | 17 | $1,751 | $1,841 | +6.2% | 0.56% | $15,001 |
| Sebastian County | 12 | $1,576 | $1,677 | +4.6% | 0.84% | $12,475 |
| Washington County | 12 | $1,753 | $1,855 | +7.0% | 0.69% | $15,090 |
| White County | 11 | $1,630 | $1,691 | +3.6% | 0.54% | $15,418 |
| Baxter County | 10 | $1,631 | $1,628 | +1.0% | 0.58% | $11,292 |
| Saline County | 10 | $1,761 | $1,811 | +4.3% | 0.39% | $13,360 |
| Faulkner County | 9 | $1,655 | $1,725 | +4.2% | 0.61% | $12,852 |
Highest and lowest premiums per policy, Arkansas ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 72223 | Pulaski County | $3,052 | -0.7% | 0.39% |
| 72207 | Pulaski County | $2,980 | -0.1% | 0.69% |
| 72212 | Pulaski County | $2,882 | +1.1% | 0.67% |
| 72135 | Pulaski County | $2,829 | +7.4% | 0.28% |
| 72348 | Crittenden County | $2,449 | -0.0% | 1.19% |
| 72471 | Jackson County | $1,338 | +8.1% | 0.00% |
| 71937 | Polk County | $1,360 | +3.0% | 0.88% |
| 72680 | Stone County | $1,366 | +0.4% | 0.00% |
| 71860 | Lafayette County | $1,377 | +4.4% | 1.51% |
| 71766 | Calhoun County | $1,379 | +2.1% | 0.00% |