Home Insurance in Hermitage, Arkansas
Homes in Hermitage carry a median value of $107,800 - 14% higher than the Bradley County median.
The typical home in Hermitage was built around 1981. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 15% of homes were built before 1960, about 3 points below Bradley County's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hermitage is 32% single-family homes, 13% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 43% of owner-occupied homes in Hermitage have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hermitage has an owner-occupancy rate of 36% and a vacancy rate of 47%; unoccupied homes typically need a different coverage form.
91% of homes in Hermitage are primarily heated with electricity.
Bradley County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Bradley County had 19 active NFIP flood policies as of September 2026. See the full Bradley County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $107,800 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 36% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Bradley County | 19 |
| 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)