Home Insurance in Cotter, Arkansas
With a median home value of $193,100, Cotter is 11% higher than the Baxter County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Cotter was built around 1965. About 44% of homes were built before 1960, about 33 points above Baxter County's 10%.
In Cotter, the housing stock is 85% single-family homes, 5% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 52% of owner-occupied homes in Cotter have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cotter has an owner-occupancy rate of 71% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
54% of homes in Cotter are primarily heated with electricity.
Baxter County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Baxter County had 117 active NFIP flood policies as of September 2026. See the full Baxter County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $193,100 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Baxter County | 117 |
| 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)