Home Insurance in Dyer, Arkansas
With a median home value of $230,300, Dyer is 26% higher than the Crawford County median.
The typical home in Dyer was built around 1997. About 9% of homes were built before 1960, about 1 point below Crawford County's 11%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Dyer, the housing stock is 84% single-family homes, 3% 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.
In Dyer, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Dyer are owner-occupied.
In Dyer, 50% of homes are primarily heated with electricity.
Crawford County's top FEMA-rated hazard is wildfire (Relatively Moderate), per FEMA's National Risk Index. Crawford County had 137 active NFIP flood policies as of September 2026. See the full Crawford County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $230,300 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Crawford County | 137 |
| 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)