Home Insurance in Hickory Ridge, Arkansas
The median home value in Hickory Ridge is $53,300, 55% lower than the Cross County median.
The typical home in Hickory Ridge was built around 1968. About 28% of homes were built before 1960, about 15 points above Cross County's 13%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Hickory Ridge is 87% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
10% of owner-occupied homes in Hickory Ridge carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hickory Ridge has an owner-occupancy rate of 54% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
48% of homes in Hickory Ridge 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.
Cross County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Cross County had 103 active NFIP flood policies as of September 2026. See the full Cross 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 | $53,300 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 10% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Cross County | 103 |
| 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)