Home Insurance in Black Oak, Arkansas
Homes in Black Oak carry a median value of $68,400 - 67% lower than the Craighead County median.
The typical home in Black Oak was built around 1980. About 12% of homes were built before 1960, about 4 points above Craighead County's 8%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Black Oak is 75% single-family homes and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 6% of owner-occupied homes in Black Oak have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Black Oak has an owner-occupancy rate of 88% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In Black Oak, 72% of homes are primarily heated with natural gas.
Craighead County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Craighead County had 905 active NFIP flood policies as of September 2026. See the full Craighead County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Arkansas carries a statewide average premium of $1,870 per year.
Key figures
| Median home value | $68,400 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 6% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Craighead County | 905 |
| 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)