Arkansas Homeowners Insurance

Arkansas homeowners pay $1,398 a year for homeowners insurance on average. That's 19% above the roughly $1,172 national average. That makes Arkansas the 10th-most-expensive state for homeowners insurance in the country. Located in Tornado Alley fringe with frequent severe weather events pushing premiums above the national average. The main factors driving that number are Tornadoes, Severe thunderstorms, Hail and Flooding. Flood risk is moderate; it's worth checking FEMA flood maps for your specific address before deciding whether a separate flood policy makes sense. Homeowners insurance isn't legally mandated in Arkansas, but any mortgage lender will require it as a condition of the loan. Arkansas has no dedicated state insurer-of-last-resort program — coverage runs through the standard private market.