Home Insurance in Lowell, Arkansas
Homes in Lowell carry a median value of $284,200 - 12% lower than the Benton County median.
The typical home in Lowell was built around 2000. 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%.
The housing stock in Lowell is 80% single-family homes, 8% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lowell, about 78% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 70% of occupied homes in Lowell are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Lowell - 54% - are primarily heated with natural gas.
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.
In Arkansas, the statewide average premium for a standard HO-3 homeowners policy is $1,870 per year (NAIC, 2023 data).
Key figures
| Median home value | $284,200 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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)