Home Insurance in Gilmore, Arkansas
The typical home in Gilmore was built around 1995. About 1% of homes were built before 1960, about 12 points below Crittenden County's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Gilmore, the housing stock is 42% single-family homes and 58% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Gilmore, about 23% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Gilmore has an owner-occupancy rate of 77% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Gilmore, 45% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Gilmore? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Crittenden County and 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.
In Arkansas, the statewide average premium for a standard HO-3 homeowners policy is $1,870 per year (NAIC, 2023 data).
Key figures
| Median year built | 1995 |
|---|---|
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 23% |
| 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)