Home Insurance in Boone County, Arkansas
The median home value in Boone County is $188,900, close to the Arkansas median.
The typical home in Boone County was built around 1985. About 13% of homes were built before 1960, in line with Arkansas (13%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Boone County is 80% single-family homes, 7% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 49% of owner-occupied homes in Boone County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 71% of occupied homes in Boone County are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Boone County, 47% of homes are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Boone County, per FEMA's National Risk Index, are tornado (Relatively Moderate), earthquake (Relatively Low) and strong wind (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Boone County has 31 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $188,900 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Earthquake (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 31 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
- Bellefonte
- Bergman
- Diamond City
- Everton
- Harrison
- Lead Hill
- Omaha
- South Lead Hill
- Valley Springs
- Zinc
Sources
- 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)