Home Insurance in Fordyce, Arkansas
With a median home value of $92,600, Fordyce is close to the Dallas County median.
The typical home in Fordyce was built around 1976. About 18% of homes were built before 1960, in line with Dallas County (18%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Fordyce is 77% single-family homes, 10% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
35% of owner-occupied homes in Fordyce carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 66% of occupied homes in Fordyce are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
52% of homes in Fordyce are primarily heated with natural gas.
What's the biggest home insurance risk near Fordyce? FEMA's National Risk Index points to earthquake (Relatively Low) in Dallas County and Dallas County had 3 active NFIP flood policies as of September 2026. See the full Dallas 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 home value | $92,600 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Dallas County | 3 |
| 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)