Home Insurance in Fountain Hill, Arkansas
Homes in Fountain Hill carry a median value of $43,600 - 53% lower than the Ashley County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Fountain Hill was built around 1971. About 23% of homes were built before 1960, about 1 point above Ashley County's 21%.
In Fountain Hill, the housing stock is 73% single-family homes and 27% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
16% of owner-occupied homes in Fountain Hill carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 98% of occupied homes in Fountain Hill are owner-occupied.
Most homes in Fountain Hill - 59% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Ashley County's overall risk as Relatively Low, led by earthquake (Relatively Low). Ashley County had 64 active NFIP flood policies as of September 2026. See the full Ashley 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 | $43,600 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 16% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Ashley County | 64 |
| 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)