HomeInsuranceQts

Home Insurance in Little Flock, Arkansas

Homes in Little Flock carry a median value of $467,600 - 45% higher than the Benton County median.

The typical home in Little Flock was built around 1995. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 4% of homes were built before 1960, about 1 point below Benton County's 5%.

Housing in Little Flock breaks down to 42% single-family homes and 53% apartments in buildings with 5+ units.

In Little Flock, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

About 33% of occupied homes in Little Flock are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

In Little Flock, 66% of homes 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.

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$467,600
Median year built1995
Owner-occupied share33%
Share of owner-occupied homes with a mortgage63%
Top county hazardWinter Weather (Relatively High)
Active NFIP policies in Benton County553
Home insurance premium$1,870 - statewide average (NAIC, 2023 data)
Key home insurance figures for Little Flock, AR

Nearby towns

Sources

Data last updated: 2026-09-29