Home Insurance in Greers Ferry, Arkansas
With a median home value of $207,000, Greers Ferry is 15% higher than the Cleburne County median.
The typical home in Greers Ferry was built around 1994. About 4% of homes were built before 1960, about 3 points below Cleburne County's 7%. 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 Greers Ferry is 77% single-family homes, 1% apartments in buildings with 5+ units and 20% mobile or manufactured homes.
In Greers Ferry, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 79% of occupied homes in Greers Ferry are owner-occupied. The vacancy rate is 51%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Greers Ferry - 71% - are primarily heated with electricity. 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 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.
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 | $207,000 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)