Home insurance in Little Rock, AR

Parts of Little Rock are in mapped flood zones, and flooding isn't covered by a standard policy. Here's what to check.

Flood risk in Little Rock

Flooding is not covered by a standard homeowners policy anywhere in the country — it is a separate policy. Whether you are required to carry it depends on the zone your address falls in.

FEMA's current mapping for the Little Rock area shows Zone AE, Zone A alongside Zone X, which is the lower-risk designation.

Little Rock is in FEMA's Community Rating System at Class 7, which earns residents 15% off flood insurance in the high-risk zones. Most homeowners have never heard of this and it applies automatically.

Source: FEMA National Flood Hazard Layer; NFIP community 050181.

More about insuring a home in Little Rock

Flood riskHail, wind and your roofYour home rebuild costWhat a policy coversRV & motorhome

Within 24 hours a licensed agent will email you back a competitive quote.

Not an automated estimate — reviews your details personally. Request a quote