Home Insurance in Sunset, Arkansas
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Sunset was built around 1983. About 14% of homes were built before 1960, about 2 points above Crittenden County's 12%.
The housing stock in Sunset is 55% single-family homes, 4% apartments in buildings with 5+ units and 17% 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.
5% of owner-occupied homes in Sunset carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 29% of occupied homes in Sunset are owner-occupied. The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Sunset - 60% - 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 Sunset? 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.
The statewide average premium for a standard HO-3 homeowners policy in Arkansas is $1,870 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median year built | 1983 |
|---|---|
| Owner-occupied share | 29% |
| Share of owner-occupied homes with a mortgage | 5% |
| 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)