Home Insurance in Holiday Island, Arkansas
The median home value in Holiday Island is $227,100, 8% higher than the Carroll County median.
The typical home in Holiday Island was built around 1997. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 1% of homes were built before 1960, about 13 points below Carroll County's 15%.
The housing stock in Holiday Island is 70% single-family homes, 9% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Holiday Island, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 76% of occupied homes in Holiday Island are owner-occupied. The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Holiday Island - 68% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Holiday Island? FEMA's National Risk Index points to tornado (Relatively Moderate) in Carroll County and 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.
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 | $227,100 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)