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Floods Happen: Arkansas Residents Can Be At Risk

Release date: 
March 16, 2010
Release Number: 

NORTH LITTLE ROCK, Ark. --- Ninety nine percent of Arkansas homeowners and business owners do not have flood insurance.  Of the state’s past 35 presidential disaster declarations, 24 have involved a flood...that figures two out of every three occurrences involve flooding.

"Both the history of flooding in this state and the many floods throughout the midsection of our nation are reminders that flooding is a serious risk to Arkansas residents and the economy," said Federal Coordinating Officer Kevin Hannes of the Federal Emergency Management Agency (FEMA).

"We often can’t prevent flooding, but flood insurance can cut the financial and emotional toll,” said Arkansas Department of Emergency Management Director David Maxwell.

Low-cost National Flood Insurance Program (NFIP) coverage is available to homeowners, renters and businesses in every community in the state that participates in the program. Home and business owners can buy coverage for their buildings and contents, and renters can purchase insurance to cover personal property. Participating NFIP communities agree to adopt and enforce sound management practices in high risk areas called Special Flood Hazard Areas to reduce damage from floods.

Property owners who do not live near bodies of water should not be lulled into a false sense of security.   Some 25 percent of flood insurance claims occur in areas not readily recognized as vulnerable to flooding.

NFIP officials strongly emphasize that residents and business owners can buy flood-insurance coverage on both contents and qualifying structures, whether or not they live in high-risk areas, as long as their community participates in the federal flood insurance program.

The average annual flood insurance premium in Arkansas is $561, according to the NFIP. The cost of a Preferred Risk Policy, for households not in a flood plain, ranges between $112 and $348 a year. Private insurance companies and agents sell and service the policies, which are backed by the federal government under FEMA's NFIP.  Residents and business owners can find a list of agents who sell the coverage in their areas on or by calling 1-888-379-9531.

Some important facts about floods and flood insurance:

  • Ninety percent of all natural disasters in the United States involve some degree of flooding
  • Even a few inches of water can cause extensive, costly damage
  • One-quarter of all flood damage occurs in structures where the flood risk is classified as low to moderate
  • Homeowners, renters and business insurance policies do not cover flood damage
  • While FEMA provides aid only in presidentially declared disasters, flood insurance covers flood damages regardless of a presidential declaration
  • Flood insurance coverage is available for a qualifying structure and its contents whether or not the structure is in a high risk area as long as the community participates in the program
  • Home and business owners should purchase coverage on both structure and contents. Renters should purchase contents insurance

For more information on Arkansas’ disaster recoveries, visit online at, or

The Arkansas Department of Emergency Management (ADEM) is the state's homeland security and emergency management agency. The agency works to identify and lessen the effects of emergencies, disasters and threats to Arkansas by developing effective prevention, preparedness, mitigation, response and recovery actions for a...

Last Updated: 
July 16, 2012 - 18:46
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