Home Insurance in Gurdon, Arkansas
Homes in Gurdon carry a median value of $111,600 - 28% lower than the Clark County median.
The typical home in Gurdon was built around 1976. About 21% of homes were built before 1960, about 5 points above Clark County's 16%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Gurdon, the housing stock is 74% single-family homes, 7% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 38% of owner-occupied homes in Gurdon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Gurdon has an owner-occupancy rate of 62% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
Most homes in Gurdon - 54% - are primarily heated with electricity.
What's the biggest home insurance risk near Gurdon? FEMA's National Risk Index points to earthquake (Relatively Low) in Clark County and 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 | $111,600 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)