Home Insurance in Bella Vista, Arkansas
With a median home value of $296,700, Bella Vista is 8% lower than the Benton County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bella Vista was built around 1996. About 1% of homes were built before 1960, about 4 points below Benton County's 5%.
Housing in Bella Vista breaks down to 95% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Bella Vista, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bella Vista has an owner-occupancy rate of 88% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 76% of homes in Bella Vista are primarily heated with electricity.
Benton County had 553 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Benton 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 | $296,700 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Benton County | 553 |
| 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)