Home Insurance in Dumas, Arkansas
The median home value in Dumas is $84,400, 7% lower than the Desha County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Dumas was built around 1977. About 14% of homes were built before 1960, about 6 points below Desha County's 20%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Dumas is 65% single-family homes, 17% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 34% of owner-occupied homes in Dumas have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Dumas has an owner-occupancy rate of 49% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
61% of homes in Dumas are primarily heated with electricity.
FEMA rates Desha County's overall risk as Very Low, led by earthquake (Relatively Low). Desha County had 180 active NFIP flood policies as of September 2026. See the full Desha 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 | $84,400 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Desha County | 180 |
| 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)