Home Insurance in Ashley County, Arkansas
With a median home value of $91,900, Ashley County is 51% 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 Ashley County was built around 1977. About 21% of homes were built before 1960, about 8 points above Arkansas's 13%.
In Ashley County, the housing stock is 69% single-family homes, 3% apartments in buildings with 5+ units and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 32% of owner-occupied homes in Ashley County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ashley County has an owner-occupancy rate of 71% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
54% of homes in Ashley 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 Low), tornado (Relatively Moderate) and hail (Relatively Low) as the leading hazards for Ashley County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Ashley County has 64 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $91,900 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Tornado (Relatively Moderate), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 64 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
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)