Home Insurance in Tinsman, Arkansas
With a median home value of $92,500, Tinsman is 16% lower than the Calhoun County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Tinsman was built around 1978. About 10% of homes were built before 1960, about 4 points below Calhoun County's 14%.
The housing stock in Tinsman is 78% single-family homes and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
17% of owner-occupied homes in Tinsman carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 82%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Tinsman are owner-occupied.
Most homes in Tinsman - 89% - are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Calhoun County's overall risk as Very Low, led by earthquake (Very Low). Calhoun County had 4 active NFIP flood policies as of September 2026. 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.
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 | $92,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 17% |
| 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)