Home Insurance in Sulphur Springs, Arkansas
With a median home value of $133,300, Sulphur Springs is 59% lower than the Benton County median.
The typical home in Sulphur Springs was built around 1972. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 38% of homes were built before 1960, about 33 points above Benton County's 5%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sulphur Springs is 84% single-family homes and 7% mobile or manufactured homes.
44% of owner-occupied homes in Sulphur Springs carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Sulphur Springs are owner-occupied.
45% of homes in Sulphur Springs are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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 | $133,300 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)