Home Insurance in Clarkedale, Arkansas
Homes in Clarkedale carry a median value of $306,500 - 91% higher than the Crittenden County median.
The typical home in Clarkedale was built around 2003. About 10% of homes were built before 1960, about 3 points below Crittenden County's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Clarkedale is 97% single-family homes and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Clarkedale, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Clarkedale has an owner-occupancy rate of 97% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Clarkedale - 51% - are primarily heated with electricity.
FEMA rates Crittenden County's overall risk as Relatively Moderate, led by earthquake (Relatively Moderate). Crittenden County had 396 active NFIP flood policies as of September 2026. See the full Crittenden County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $306,500 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Crittenden County | 396 |
| 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)