Home Insurance in Omaha, Arkansas
With a median home value of $75,600, Omaha is 60% lower than the Boone County median.
The typical home in Omaha was built around 1970. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 33% of homes were built before 1960, about 20 points above 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 Omaha is 70% single-family homes, 18% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
About 17% of owner-occupied homes in Omaha have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Omaha has an owner-occupancy rate of 61% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
66% of homes in Omaha 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.
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 | $75,600 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 17% |
| 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)