Home Insurance in South Lead Hill, Arkansas
Homes in South Lead Hill carry a median value of $108,300 - 43% lower than the Boone County median.
The typical home in South Lead Hill was built around 1978. About 15% of homes were built before 1960, about 2 points above Boone County's 13%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In South Lead Hill, the housing stock is 62% single-family homes and 38% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in South Lead Hill have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
South Lead Hill has an owner-occupancy rate of 100% and a vacancy rate of 30%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In South Lead Hill, 64% of homes are primarily heated with electricity.
What's the biggest home insurance risk near South Lead Hill? 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 | $108,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)