Home Insurance in Ozark, Arkansas
The median home value in Ozark is $124,000, 5% lower than the Franklin County median.
The typical home in Ozark was built around 1981. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 9% of homes were built before 1960, about 4 points below Franklin County's 13%.
Housing in Ozark breaks down to 74% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Ozark, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ozark has an owner-occupancy rate of 56% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
68% of homes in Ozark are primarily heated with electricity.
FEMA rates Franklin County's overall risk as Relatively Low, led by wildfire (Relatively Low). Franklin County had 13 active NFIP flood policies as of September 2026. See the full Franklin 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 | $124,000 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Franklin County | 13 |
| 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)