Home Insurance in Pea Ridge, Arkansas
With a median home value of $297,500, Pea Ridge is 8% lower than the Benton County median.
The typical home in Pea Ridge was built around 2005. About 5% of homes were built before 1960, in line with Benton County (5%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Pea Ridge, the housing stock is 94% single-family homes, 2% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
72% of owner-occupied homes in Pea Ridge carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Pea Ridge are owner-occupied.
In Pea Ridge, 66% of homes 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.
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 | $297,500 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 78% |
| 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)