Home Insurance in Hamburg, Arkansas
Homes in Hamburg carry a median value of $77,100 - 16% lower than the Ashley County median.
The typical home in Hamburg was built around 1977. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 19% of homes were built before 1960, about 2 points below Ashley County's 21%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hamburg is 58% single-family homes, 6% apartments in buildings with 5+ units and 28% mobile or manufactured homes.
About 29% of owner-occupied homes in Hamburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Hamburg are owner-occupied.
50% of homes in Hamburg are primarily heated with natural gas.
What's the biggest home insurance risk near Hamburg? FEMA's National Risk Index points to earthquake (Relatively Low) in Ashley County and 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.
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 | $77,100 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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)