Home Insurance in Parkdale, Arkansas
The typical home in Parkdale was built around 1959. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 53% of homes were built before 1960, about 32 points above Ashley County's 21%.
In Parkdale, the housing stock is 88% single-family homes and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
Almost no owner-occupied homes in Parkdale carry a mortgage.
About 93% of occupied homes in Parkdale are owner-occupied. The vacancy rate is 71%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Parkdale - 71% - are primarily heated with natural gas.
Ashley County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. 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 year built | 1959 |
|---|---|
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)