Home Insurance in Vilonia, Arkansas
With a median home value of $232,700, Vilonia is close to the Faulkner County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Vilonia was built around 2000. About 0% of homes were built before 1960, about 5 points below Faulkner County's 5%.
In Vilonia, the housing stock is 86% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
73% of owner-occupied homes in Vilonia carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Vilonia has an owner-occupancy rate of 72% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
48% of homes in Vilonia are primarily heated with natural gas.
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 home value | $232,700 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)