Home Insurance in Crawford County, Arkansas
Homes in Crawford County carry a median value of $182,800 - close to the Arkansas median.
The typical home in Crawford County was built around 1991. About 11% of homes were built before 1960, about 2 points below Arkansas's 13%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Crawford County is 78% single-family homes, 4% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Crawford County, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Crawford County has an owner-occupancy rate of 75% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
55% of homes in Crawford County are primarily heated with electricity.
FEMA's National Risk Index lists wildfire (Relatively Moderate), tornado (Relatively Moderate) and winter weather (Relatively Moderate) as the leading hazards for Crawford County.
As of September 2026, Crawford County has 137 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $182,800 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Tornado (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 137 |
| 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)