Home Insurance in Mount Vernon, Arkansas
Homes in Mount Vernon carry a median value of $103,600 - 55% lower than the Faulkner County median.
The typical home in Mount Vernon was built around 1984. About 8% of homes were built before 1960, about 3 points above Faulkner County's 5%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Mount Vernon is 70% single-family homes and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 21% of owner-occupied homes in Mount Vernon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 71% of occupied homes in Mount Vernon are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
67% of homes in Mount Vernon 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 | $103,600 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 21% |
| 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)