Home Insurance in Crittenden County, Arkansas
The median home value in Crittenden County is $160,200, 15% lower than the Arkansas median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Crittenden County was built around 1983. About 12% of homes were built before 1960, in line with Arkansas (13%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Crittenden County is 71% single-family homes, 14% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
In Crittenden County, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Crittenden County are owner-occupied.
48% of homes in Crittenden County are primarily heated with electricity.
FEMA's National Risk Index lists earthquake (Relatively Moderate), tornado (Relatively Moderate) and inland flooding (Relatively Low) as the leading hazards for Crittenden County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Crittenden County had 396 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Arkansas, the statewide average premium for a standard HO-3 homeowners policy is $1,870 per year (NAIC, 2023 data).
Key figures
| Median home value | $160,200 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Tornado (Relatively Moderate), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 396 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
- Anthonyville
- Clarkedale
- Crawfordsville
- Earle
- Edmondson
- Gilmore
- Horseshoe Lake
- Jennette
- Jericho
- Marion
- Sunset
- Turrell
- West Memphis
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)