Home Insurance in McNeil, Arkansas
Homes in McNeil carry a median value of $72,800 - 52% lower than the Columbia County median.
The typical home in McNeil was built around 1970. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 36% of homes were built before 1960, about 13 points above Columbia County's 23%.
Housing in McNeil breaks down to 73% single-family homes, 16% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
75% of owner-occupied homes in McNeil carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
McNeil has an owner-occupancy rate of 60% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
55% of homes in McNeil are primarily heated with electricity.
Columbia County had 11 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Columbia 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 | $72,800 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 75% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Columbia County | 11 |
| 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)