Home Insurance in Quitman, Arkansas
With a median home value of $110,600, Quitman is 38% lower than the Cleburne County median.
The typical home in Quitman was built around 1980. About 12% of homes were built before 1960, about 5 points above Cleburne County's 7%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Quitman is 69% single-family homes, 6% apartments in buildings with 5+ units and 15% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 53% of owner-occupied homes in Quitman have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 57% of occupied homes in Quitman are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
65% of homes in Quitman are primarily heated with electricity.
Cleburne County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. 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 | $110,600 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)