Home Insurance in Piggott, Arkansas
With a median home value of $115,500, Piggott is 22% higher than the Clay County median.
The typical home in Piggott was built around 1969. About 26% of homes were built before 1960, about 1 point above Clay County's 25%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Piggott is 82% single-family homes, 4% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
In Piggott, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Piggott has an owner-occupancy rate of 60% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
In Piggott, 62% of homes are primarily heated with natural gas.
Clay County had 141 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). 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.
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 | $115,500 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)