Home Insurance in Concord, Arkansas
The median home value in Concord is $111,700, 38% lower than the Cleburne County median.
The typical home in Concord was built around 1978. About 22% of homes were built before 1960, about 14 points above Cleburne County's 7%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Concord, the housing stock is 77% single-family homes and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 7% of owner-occupied homes in Concord have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Concord has an owner-occupancy rate of 89% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 52% of homes in Concord are primarily heated with propane.
FEMA rates Cleburne County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Cleburne County had 140 active NFIP flood policies as of September 2026. See the full Cleburne County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Arkansas, the statewide average premium for a standard HO-3 homeowners policy is $1,870 per year (NAIC, 2023 data).
Key figures
| Median home value | $111,700 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 7% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Cleburne County | 140 |
| 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)