Home Insurance in Bellefonte, Arkansas
The median home value in Bellefonte is $187,500, close to the Boone County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bellefonte was built around 1972. About 39% of homes were built before 1960, about 26 points above Boone County's 13%.
Housing in Bellefonte breaks down to 77% single-family homes, 15% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Bellefonte, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 52% of occupied homes in Bellefonte are owner-occupied.
Most homes in Bellefonte - 60% - are primarily heated with natural gas.
What's the biggest home insurance risk near Bellefonte? FEMA's National Risk Index points to tornado (Relatively Moderate) in Boone County and Boone County had 31 active NFIP flood policies as of September 2026. See the full Boone 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 | $187,500 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Boone County | 31 |
| 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)