Home Insurance in Heber Springs, Arkansas
With a median home value of $176,300, Heber Springs is close to the Cleburne County median.
The typical home in Heber Springs was built around 1979. About 9% of homes were built before 1960, about 2 points above Cleburne County's 7%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Heber Springs, the housing stock is 83% single-family homes, 3% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
44% of owner-occupied homes in Heber Springs carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Heber Springs has an owner-occupancy rate of 68% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
In Heber Springs, 48% of homes are primarily heated with natural gas.
Cleburne County had 140 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). 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 | $176,300 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)