Home Insurance in Desha County, Arkansas
Homes in Desha County carry a median value of $90,900 - 52% lower than the Arkansas median.
The typical home in Desha County was built around 1977. About 20% of homes were built before 1960, about 7 points above Arkansas's 13%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Desha County is 71% single-family homes, 8% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
32% of owner-occupied homes in Desha County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Desha County has an owner-occupancy rate of 57% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
In Desha County, 61% of homes are primarily heated with electricity.
FEMA's National Risk Index lists earthquake (Relatively Low), hurricane (Relatively Low) and tornado (Relatively Low) as the leading hazards for Desha County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Desha County had 180 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 home value | $90,900 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Hurricane (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 180 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)