Home Insurance in Almyra, Arkansas
Homes in Almyra carry a median value of $83,100 - 40% lower than the Arkansas County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Almyra was built around 1969. About 31% of homes were built before 1960, about 9 points above Arkansas County's 22%.
The housing stock in Almyra is 74% single-family homes and 26% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 47% of owner-occupied homes in Almyra have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 94% of occupied homes in Almyra are owner-occupied.
In Almyra, 54% of homes are primarily heated with natural gas.
FEMA rates Arkansas County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Arkansas County had 101 active NFIP flood policies as of September 2026. See the full Arkansas County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $83,100 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Arkansas County | 101 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- 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)