Home Insurance in Cave Springs, Arkansas
The median home value in Cave Springs is $460,300, 42% higher than the Benton County median.
The typical home in Cave Springs was built around 2012. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 13% of homes were built before 1960, about 8 points above Benton County's 5%.
The housing stock in Cave Springs is 100% single-family homes.
In Cave Springs, about 75% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 93% of occupied homes in Cave Springs are owner-occupied.
In Cave Springs, 66% of homes are primarily heated with natural gas.
FEMA rates Benton County's overall risk as Relatively Moderate, led by winter weather (Relatively High). 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.
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 | $460,300 |
|---|---|
| Median year built | 2012 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)