Home Insurance in Amity, Arkansas
The median home value in Amity is $143,100, 8% lower than the Clark County median.
The typical home in Amity was built around 1976. About 18% of homes were built before 1960, about 2 points above Clark County's 16%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Amity is 71% single-family homes and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Amity, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Amity has an owner-occupancy rate of 62% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Amity - 59% - are primarily heated with natural gas.
FEMA rates Clark County's overall risk as Very Low, led by earthquake (Relatively Low). Clark County had 59 active NFIP flood policies as of September 2026. See the full Clark County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $143,100 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Clark County | 59 |
| 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)