Home Insurance in Carroll County, Arkansas
With a median home value of $210,400, Carroll County is 12% higher than the Arkansas median.
The typical home in Carroll County was built around 1989. About 15% of homes were built before 1960, about 2 points above Arkansas's 13%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Carroll County, the housing stock is 78% single-family homes, 3% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 47% of owner-occupied homes in Carroll County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Carroll County has an owner-occupancy rate of 77% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Carroll County, 51% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Carroll County's top hazards are tornado (Relatively Moderate), winter weather (Relatively Moderate) and strong wind (Relatively Moderate).
As of September 2026, Carroll County has 7 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Arkansas carries a statewide average premium of $1,870 per year.
Key figures
| Median home value | $210,400 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Winter Weather (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 7 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)