Home Insurance in Twin Groves, Arkansas
The typical home in Twin Groves was built around 1979. About 18% of homes were built before 1960, about 13 points above Faulkner County's 5%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Twin Groves is 68% single-family homes and 31% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 56% of owner-occupied homes in Twin Groves have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Twin Groves has an owner-occupancy rate of 83% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
In Twin Groves, 50% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 year built | 1979 |
|---|---|
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)