Home Insurance in Holland, Arkansas
With a median home value of $162,500, Holland is 30% lower than the Faulkner County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Holland was built around 1994. About 9% of homes were built before 1960, about 4 points above Faulkner County's 5%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Holland is 65% single-family homes and 35% mobile or manufactured homes.
In Holland, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Holland has an owner-occupancy rate of 87% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Holland - 79% - are primarily heated with electricity.
Faulkner County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Faulkner County had 450 active NFIP flood policies as of September 2026. See the full Faulkner County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $162,500 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Faulkner County | 450 |
| 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)