Home Insurance in Bradley County, Arkansas
Homes in Bradley County carry a median value of $94,800 - 50% lower than the Arkansas median.
The typical home in Bradley County was built around 1977. About 18% of homes were built before 1960, about 5 points above Arkansas's 13%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bradley County is 69% single-family homes, 3% apartments in buildings with 5+ units and 19% mobile or manufactured homes.
About 34% of owner-occupied homes in Bradley County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Bradley County are owner-occupied.
53% of homes in Bradley County 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's National Risk Index lists earthquake (Relatively Low), hurricane (Very Low) and tornado (Relatively Low) as the leading hazards for Bradley County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Bradley County has 19 active NFIP flood policies on file.
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 | $94,800 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Hurricane (Very Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 19 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
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)