Home Insurance in Gentry, Arkansas
Homes in Gentry carry a median value of $186,100 - 42% lower than the Benton County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Gentry was built around 1998. About 5% of homes were built before 1960, in line with Benton County (5%).
The housing stock in Gentry is 87% single-family homes, 7% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 77% of owner-occupied homes in Gentry have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Gentry are owner-occupied.
57% of homes in Gentry are primarily heated with electricity.
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 | $186,100 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)