Home Insurance in Clark County, Arkansas
Homes in Clark County carry a median value of $155,000 - 18% lower than the Arkansas median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Clark County was built around 1985. About 16% of homes were built before 1960, about 3 points above Arkansas's 13%.
In Clark County, the housing stock is 66% single-family homes, 13% apartments in buildings with 5+ units and 15% 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 Clark County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Clark County has an owner-occupancy rate of 65% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Clark County - 60% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists earthquake (Relatively Low), hail (Relatively Low) and tornado (Relatively Moderate) as the leading hazards for Clark County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Clark County had 59 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $155,000 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Hail (Relatively Low), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 59 |
| 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)