Home Insurance in Bentonville, Arkansas
With a median home value of $428,500, Bentonville is 32% higher than the Benton County median.
The typical home in Bentonville was built around 2007. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 3% of homes were built before 1960, about 2 points below Benton County's 5%.
Housing in Bentonville breaks down to 67% single-family homes, 25% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Bentonville, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 50% of occupied homes in Bentonville are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Bentonville, 50% of homes are primarily heated with electricity.
Benton County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Benton County had 553 active NFIP flood policies as of September 2026. See the full Benton County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Arkansas is $1,870 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $428,500 |
|---|---|
| Median year built | 2007 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)