Home Insurance in Earle, Arkansas
With a median home value of $87,900, Earle is 45% lower than the Crittenden County median.
The typical home in Earle was built around 1970. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 18% of homes were built before 1960, about 6 points above Crittenden County's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Earle is 64% single-family homes, 8% apartments in buildings with 5+ units and 13% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
48% of owner-occupied homes in Earle carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Earle has an owner-occupancy rate of 36% and a vacancy rate of 35%; unoccupied homes typically need a different coverage form.
Most homes in Earle - 56% - are primarily heated with natural gas.
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 | $87,900 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 36% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)