Home Insurance in Higden, Arkansas
The median home value in Higden is $219,300, 22% higher than the Cleburne County median.
The typical home in Higden was built around 1992. About 5% of homes were built before 1960, about 2 points below Cleburne County's 7%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Higden is 80% single-family homes and 20% mobile or manufactured homes.
42% of owner-occupied homes in Higden carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 59%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Higden are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Higden, 49% of homes are primarily heated with electricity.
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 | $219,300 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)