Home Insurance in Nimmons, Arkansas
The typical home in Nimmons was built around 1981. About 20% of homes were built before 1960, about 5 points below Clay County's 25%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Nimmons is 73% single-family homes and 27% mobile or manufactured homes.
In Nimmons, about 7% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
All occupied homes in Nimmons are owner-occupied.
Most homes in Nimmons - 80% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Clay County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Clay County had 141 active NFIP flood policies as of September 2026. See the full Clay County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 year built | 1981 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 7% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Clay County | 141 |
| 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)