HomeInsuranceQts

Home Insurance in Arkadelphia, Arkansas

Homes in Arkadelphia carry a median value of $179,300 - 16% higher than the Clark County median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Arkadelphia was built around 1984. About 19% of homes were built before 1960, about 3 points above Clark County's 16%.

In Arkadelphia, the housing stock is 57% single-family homes, 27% apartments in buildings with 5+ units and 3% 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.

53% of owner-occupied homes in Arkadelphia carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 41% of occupied homes in Arkadelphia are owner-occupied.

In Arkadelphia, 66% of homes are primarily heated with electricity.

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$179,300
Median year built1984
Owner-occupied share41%
Share of owner-occupied homes with a mortgage53%
Top county hazardEarthquake (Relatively Low)
Active NFIP policies in Clark County59
Home insurance premium$1,870 - statewide average (NAIC, 2023 data)
Key home insurance figures for Arkadelphia, AR

Nearby towns

Sources

Data last updated: 2026-09-29