Homeowners Insurance in North Little Rock, AR
For a home at North Little Rock's median value of $178,900, we estimate about $1,865 a year — 0% versus the Arkansas NAIC average of $1,870.
Estimated homeowners insurance cost in North Little Rock
North Little Rock's estimate reflects its home values (5% lower than the state median) and FEMA's hazard profile for Pulaski County.
Natural hazard risk in North Little Rock
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 95.9 | Comprehensive (car); roof claims (home) | |
| Tornado | 99.2 | Comprehensive; dwelling | |
| Hurricane | 71.8 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 96.8 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 96.5 | Comprehensive; dwelling | |
| Winter weather | 98.1 | Collision (icy roads); frozen pipes (home) | |
| Wildfire | 71.8 | Comprehensive; dwelling | |
| Earthquake | 98.2 | Home needs a separate earthquake policy | |
| Lightning | 96.8 | Fire and electrical damage |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated premium by home value in North Little Rock
| Dwelling value | Wood frame | Brick / masonry |
|---|---|---|
| $200,000 | $2,035 | $1,875 |
| $300,000 | $2,815 | $2,590 |
| $500,000 | $4,240 | $3,900 |
| $750,000 | $5,865 | $5,395 |
Home Insurance Estimator
Homeowners insurance by ZIP code in North Little Rock
| ZIP | Median home value | Owner-occupied | Est. premium |
|---|---|---|---|
| 72118 | $123,100 | 51.2% | $1,380 |
| 72116 | $232,600 | 61.2% | $2,300 |
| 72117 | $141,600 | 63.7% | $1,545 |
| 72114 | $130,000 | 24.8% | $1,445 |
Homeowners insurance in Arkansas · Car insurance in North Little Rock · Insurance offices near North Little Rock
Frequently asked questions
How much is homeowners insurance in North Little Rock?
For a home at North Little Rock's median value of $178,900, we estimate about $1,865 a year for a standard HO-3 policy with a $1,000 deductible. The Arkansas NAIC average is $1,870.
What are the biggest natural hazards in North Little Rock?
FEMA's National Risk Index rates Pulaski County relatively high or very high for hail, tornado, inland (river) flooding, strong wind, winter weather, earthquake, and lightning.
Does the age of homes in North Little Rock affect insurance?
Yes. The median home in North Little Rock was built in 1975 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.
How we estimate this
We start from the NAIC average homeowners (HO-3) premium for Arkansas, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Pulaski County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023 (July 2026), Tables 4 and 5 (HO-3 and HO-4 average premiums)
- FEMA National Risk Index (Pulaski County)
- U.S. Census Bureau, American Community Survey (home values, year built, tenure)