HomeInsuranceQts

Home Insurance in Jonesboro, Arkansas

Homes in Jonesboro carry a median value of $223,200 - 6% higher than the Craighead County median.

The typical home in Jonesboro was built around 1991. About 7% of homes were built before 1960, in line with Craighead County (8%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.

The housing stock in Jonesboro is 68% single-family homes, 16% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.

In Jonesboro, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Jonesboro has an owner-occupancy rate of 54% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.

58% of homes in Jonesboro are primarily heated with electricity.

FEMA rates Craighead County's overall risk as Relatively Moderate, led by earthquake (Relatively Moderate). 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$223,200
Median year built1991
Owner-occupied share54%
Share of owner-occupied homes with a mortgage58%
Top county hazardEarthquake (Relatively Moderate)
Active NFIP policies in Craighead County905
Home insurance premium$1,870 - statewide average (NAIC, 2023 data)
Key home insurance figures for Jonesboro, AR

Nearby towns

Sources

Data last updated: 2026-09-29