Home Insurance in St. Charles, Arkansas
With a median home value of $119,200, St. Charles is 14% lower than the Arkansas County median.
The typical home in St. Charles was built around 1981. About 28% of homes were built before 1960, about 6 points above Arkansas County's 22%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in St. Charles is 65% single-family homes, 6% apartments in buildings with 5+ units and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In St. Charles, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 47%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 87% of occupied homes in St. Charles are owner-occupied.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In St. Charles, 56% of homes are primarily heated with electricity.
Arkansas County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Arkansas carries a statewide average premium of $1,870 per year.
Key figures
| Median home value | $119,200 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)