Home Insurance in Eureka Springs, Arkansas
With a median home value of $245,300, Eureka Springs is 17% higher than the Carroll County median.
The typical home in Eureka Springs was built around 1973. About 42% of homes were built before 1960, about 27 points above Carroll County's 15%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Eureka Springs breaks down to 77% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Eureka Springs, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 63% of occupied homes in Eureka Springs are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Eureka Springs - 55% - are primarily heated with natural gas.
Carroll County had 7 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Carroll County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $245,300 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)