Risk Index · Pulaski County · 2026-06-13
Little Rock, AR real-estate risk
- Risk score
- 96.8/100
- Relatively High
- Expected annual loss
- $212M
- all hazards, county-wide
- Buildings-only loss
- $146M
- what owners and insurers carry
- Population
- 399K
- Pulaski County
Little Rock, AR (Pulaski County) carries a FEMA National Risk Index score of 96.8/100, rated "Relatively High" and driven mainly by tornado and earthquake, with roughly $212M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Tornado99.2
- Earthquake98.2
- Riverine flood96.8
- Strong wind96.5
- Heat wave95.9
- Hail95.9
- Wildfire71.8
- Hurricane71.8
- Drought24.2
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Little Rock risk questions
Is Little Rock, AR a high-risk area for real estate?
Little Rock scores 96.8/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $212M per year.
What is the biggest natural hazard in Little Rock?
The highest-rated hazard is tornado (99.2/100), followed by earthquake (98.2/100).
How does hazard risk affect property insurance in Little Rock?
Severe convective storms (tornado/hail) drive the insurance cost here. Wind/hail deductibles and roof age are what underwriters price, and what's been pushing Midwest/Plains premiums up.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.