Home Insurance in Mountainburg, Arkansas
The median home value in Mountainburg is $122,900, 33% lower than the Crawford County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Mountainburg was built around 1966. About 43% of homes were built before 1960, about 32 points above Crawford County's 11%.
The housing stock in Mountainburg is 84% single-family homes, 2% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
48% of owner-occupied homes in Mountainburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mountainburg has an owner-occupancy rate of 84% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 75% of homes in Mountainburg are primarily heated with electricity.
What's the biggest home insurance risk near Mountainburg? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Crawford County and 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.
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 | $122,900 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)