Home Insurance in Arkansas County, Arkansas
The median home value in Arkansas County is $138,100, 27% lower than the Arkansas median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Arkansas County was built around 1978. About 22% of homes were built before 1960, about 9 points above Arkansas's 13%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Arkansas County is 74% single-family homes, 7% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
About 42% of owner-occupied homes in Arkansas County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 65% of occupied homes in Arkansas County are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
58% of homes in Arkansas County are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists earthquake (Relatively Moderate), strong wind (Relatively Moderate) and tornado (Relatively Moderate) as the leading hazards for Arkansas County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Arkansas County has 101 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Arkansas is $1,870 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $138,100 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Strong Wind (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 101 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
DeWitt
- Median home value: $75,700
- Median year built: 1974
- Owner-occupied share: 54%
-
Humphrey
- Median home value: $87,000
- Median year built: 1971
- Owner-occupied share: 54%
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)