Home Insurance in Craighead County, Arkansas
With a median home value of $210,400, Craighead County is 12% higher than the Arkansas median.
The typical home in Craighead County was built around 1992. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 8% of homes were built before 1960, about 5 points below Arkansas's 13%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Craighead County is 71% single-family homes, 12% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 58% of owner-occupied homes in Craighead County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 60% of occupied homes in Craighead County are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
58% of homes in Craighead County are primarily heated with electricity.
FEMA's National Risk Index lists earthquake (Relatively Moderate), tornado (Relatively High) and winter weather (Relatively High) as the leading hazards for Craighead County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Craighead County had 905 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $210,400 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Tornado (Relatively High), Winter Weather (Relatively High) |
| Active NFIP flood policies (county) | 905 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)