Home Insurance in Bergman, Arkansas
The median home value in Bergman is $144,100, 24% lower than the Boone County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bergman was built around 1992. About 5% of homes were built before 1960, about 8 points below Boone County's 13%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bergman is 84% single-family homes and 16% mobile or manufactured homes.
In Bergman, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bergman has an owner-occupancy rate of 88% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Bergman, 44% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Boone County's overall risk as Relatively Low, led by tornado (Relatively Moderate). 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.
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 | $144,100 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)