Home Insurance in Alpena, Arkansas
Homes in Alpena carry a median value of $127,400 - 39% lower than the Carroll County median.
The typical home in Alpena was built around 1976. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 33% of homes were built before 1960, about 18 points above Carroll County's 15%.
The housing stock in Alpena is 71% single-family homes and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Alpena, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Alpena has an owner-occupancy rate of 67% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In Alpena, 73% of homes are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Carroll County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Carroll County had 7 active NFIP flood policies as of September 2026. See the full Carroll County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $127,400 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Carroll County | 7 |
| 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)