Little Flock’s building-damage rate from ice storms is in the top 1% of U.S. census tracts
On FEMA’s National Risk Index, Little Flock gets a B for hazard risk: lower expected damage per building than 57% of U.S. towns, #7 of 123 in Arkansas. Most of that expected damage is river and rain flooding (64%), then ice storms (20%). Flood insurance has paid 8 claims here since 2015.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Little Flock faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Ice storms
Earthquakes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Little Flock’s grade
River and rain flooding is 64% of the building damage FEMA expects in Little Flock, and Little Flock’s rate of river and rain flooding damage is lower than 56% of U.S. census tracts. Ice storms add 20%, at a rate in the top 1% of U.S. census tracts.
B #7 of 123 in Arkansas; lower expected damage per building than 57% of U.S. towns (21,298).
Little Flock’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical Arkansas town has higher expected damage than 73% of U.S. towns; within the state, Little Flock has less expected damage per building than 95% of Arkansas towns.
In dollars, FEMA expects about $725K a year in losses across Little Flock: $451K to buildings, the rest to people and crops.
Does Little Flock flood? Rarely: 8 flood claims since 2015
Every paid claim on a federal flood insurance policy in Little Flock, from FEMA’s records: 5.9 per 1,000 homes, more than 64% of the 13,809 U.S. towns with a flood insurance record.
- The Late spring severe storms3 claims · $79K
- The Early winter storms1 claim · $4K
Little Flock isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Benton County.7 federal disasters brought FEMA money to Little Flock
Disasters that paid out in Little Flock itself (aid to households or repair grants to the City of Little Flock), newest first, with that year’s flood claims.
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding22 households applied for aid$24K aid approved$1.7M to the City of Little Flock for repairs
- 2017Severe Storms, Tornadoes, Straight-line Winds, and Flooding$620K to the City of Little Flock for repairs3 flood claims paid that year
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding1 households applied for aid$43K to the City of Little Flock for repairs1 flood claim paid that year
- 2013Severe Storms and Flooding$14K to the City of Little Flock for repairs
- 2011Severe Storms, Tornadoes, and Associated Flooding$203K to the City of Little Flock for repairs
- 2004Severe Storms and Flooding$5K to the City of Little Flock for repairs
Show all 7
- 2000Severe Winter Ice Storm$12K to the City of Little Flock for repairs
Benton County has had 20 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Little Flock after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Little Flock archive →Little Flock and its neighbors
Little Flock is 3rd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Bentonville | Bless damage than 62% | river and rain flooding | 25 |
| Rogers | Bless damage than 61% | river and rain flooding | 77 |
| Little Flock | Bless damage than 57% | river and rain flooding | 8 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Little Flock faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Little Flock
Is Little Flock at risk for natural disasters?
On FEMA’s National Risk Index, Little Flock has lower expected damage per building than 57% of U.S. towns: B for hazard risk, #7 of 123 in Arkansas. Most of the expected damage is river and rain flooding (64%) and ice storms (20%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Little Flock flood?
Flood insurance has paid 8 claims in Little Flock since 2015, $189K in all, or 5.9 per 1,000 homes, more than 64% of U.S. towns with a flood insurance record. 3 properties have flooded more than once. The most claims came from Late spring severe storms (3).
Is Little Flock in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Benton County, 24% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Little Flock?
FEMA’s Community Rating System list shows no discount for Little Flock’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Little Flock?
By FEMA money that reached Little Flock, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024): 22 households applied for aid, $24K approved, and $1.7M to the City of Little Flock for repairs. By flood claims, Late spring severe storms: 3 paid, $79K.
Is Little Flock at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (64%), and Little Flock’s rate for it is lower than 56% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Little Flock.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Little Flock’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.