Home Insurance in Cleburne County, Arkansas
Homes in Cleburne County carry a median value of $179,800 - close to the Arkansas median.
The typical home in Cleburne County was built around 1989. About 7% of homes were built before 1960, about 6 points below Arkansas's 13%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Cleburne County, the housing stock is 75% single-family homes, 1% apartments in buildings with 5+ units and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
46% of owner-occupied homes in Cleburne County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 81% of occupied homes in Cleburne County are owner-occupied. The vacancy rate is 33%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Cleburne County - 59% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Cleburne County, per FEMA's National Risk Index, are tornado (Relatively Moderate), earthquake (Relatively Low) and wildfire (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Cleburne County had 140 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $179,800 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Earthquake (Relatively Low), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 140 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)