Home Insurance in Monette, Arkansas
The median home value in Monette is $114,200, 46% lower than the Craighead County median.
The typical home in Monette was built around 1975. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 29% of homes were built before 1960, about 21 points above Craighead County's 8%.
The housing stock in Monette is 77% single-family homes, 8% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 38% of owner-occupied homes in Monette have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Monette has an owner-occupancy rate of 68% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
55% of homes in Monette are primarily heated with natural gas.
What's the biggest home insurance risk near Monette? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Craighead County and 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.
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 | $114,200 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)