Home Insurance in Hampton, Arkansas
With a median home value of $91,300, Hampton is 18% lower than the Calhoun County median.
The typical home in Hampton was built around 1977. About 21% of homes were built before 1960, about 7 points above Calhoun County's 14%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hampton is 77% single-family homes, 4% apartments in buildings with 5+ units and 15% mobile or manufactured homes.
About 37% of owner-occupied homes in Hampton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 68% of occupied homes in Hampton are owner-occupied. The vacancy rate is 34%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Hampton - 62% - are primarily heated with natural gas.
Calhoun County had 4 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Very Low). See the full Calhoun 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 | $91,300 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Earthquake (Very Low) |
| Active NFIP policies in Calhoun County | 4 |
| 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)