Home Insurance in Benton County, Arkansas
The median home value in Benton County is $323,500, 72% higher than the Arkansas median.
The typical home in Benton County was built around 2001. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 5% of homes were built before 1960, about 8 points below Arkansas's 13%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Benton County is 80% single-family homes, 12% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
In Benton County, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 67% of occupied homes in Benton County are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Benton County, 46% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Benton County's top hazards are winter weather (Relatively High), strong wind (Relatively High) and wildfire (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Benton County has 553 active NFIP flood policies on file.
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 | $323,500 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Strong Wind (Relatively High), Wildfire (Relatively Moderate) |
| Active NFIP flood policies (county) | 553 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
- Avoca
- Bella Vista
- Bentonville
- Cave Springs
- Centerton
- Decatur
- Garfield
- Gateway
- Gentry
- Gravette
- Highfill
- Little Flock
- Lowell
- Pea Ridge
- Rogers
- Siloam Springs
- Springtown
- Sulphur Springs
Sources
- 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)