Flood insurance claims in Baxter County, Arkansas

FEMA records 115 National Flood Insurance Program claims in Baxter County, Arkansas, since 1979, with $2.9 million paid in total. The year with the most claims was 2008, with 65. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 7.2% of homes in the high-risk flood zone did.

NFIP claims on record115

Total paid$2.9 million

Claims with a payment82

Homes with NFIP policy0.3%

High-risk zone homes insured7.2%

Residential policies in force77

Claims by year of loss

NFIP claims by year of loss, Baxter County, Arkansas

Paid on claims by year of loss (building, contents and increased cost of compliance), Baxter County, Arkansas

Named flood events with the most claims

Event (FEMA name)	Claims
March storm	25
Late spring severe storms	7
Early winter storms	4
Mid-spring storms	3

ZIP codes with the most claims

ZIP code (as reported)	Claims
72658	60
72653	54

95 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.4 million, contents $411,298, increased cost of compliance $37,400.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	982	71	7.2%
All homes	23,052	77	0.3%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.