Home Insurance in Stuttgart, Arkansas
Homes in Stuttgart carry a median value of $152,600 - 10% higher than the Arkansas County median.
The typical home in Stuttgart was built around 1978. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 21% of homes were built before 1960, in line with Arkansas County (22%).
In Stuttgart, the housing stock is 76% single-family homes, 13% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
50% of owner-occupied homes in Stuttgart carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Stuttgart has an owner-occupancy rate of 54% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
56% of homes in Stuttgart 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.
In Arkansas, the statewide average premium for a standard HO-3 homeowners policy is $1,870 per year (NAIC, 2023 data).
Key figures
| Median home value | $152,600 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)