Home Insurance in Mountain Home, Arkansas
The median home value in Mountain Home is $169,800, close to the Baxter County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Mountain Home was built around 1982. About 7% of homes were built before 1960, about 3 points below Baxter County's 10%.
The housing stock in Mountain Home is 72% single-family homes, 15% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Mountain Home, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 61% of occupied homes in Mountain Home are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
55% of homes in Mountain Home are primarily heated with natural gas.
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 | $169,800 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 61% |
| 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)