Home Insurance in Rector, Arkansas
The median home value in Rector is $91,300, close to the Clay County median.
The typical home in Rector was built around 1969. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 40% of homes were built before 1960, about 15 points above Clay County's 25%.
In Rector, the housing stock is 81% single-family homes, 1% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 53% of owner-occupied homes in Rector have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Rector has an owner-occupancy rate of 66% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Rector - 54% - are primarily heated with natural gas.
Clay County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $91,300 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)