Home Insurance in Wynne, Arkansas
Homes in Wynne carry a median value of $141,100 - 20% higher than the Cross County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Wynne was built around 1978. About 15% of homes were built before 1960, about 1 point above Cross County's 13%.
In Wynne, the housing stock is 72% single-family homes, 6% apartments in buildings with 5+ units and 8% 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.
About 43% of owner-occupied homes in Wynne have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Wynne are owner-occupied.
50% of homes in Wynne are primarily heated with electricity.
What's the biggest home insurance risk near Wynne? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Cross County and 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 | $141,100 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)