Home Insurance in Fulton County, Arkansas
Homes in Fulton County carry a median value of $113,800 - 39% lower than the Arkansas median.
The typical home in Fulton County was built around 1986. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 9% of homes were built before 1960, about 4 points below Arkansas's 13%.
In Fulton County, the housing stock is 73% single-family homes, 1% apartments in buildings with 5+ units and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
42% of owner-occupied homes in Fulton County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Fulton County has an owner-occupancy rate of 85% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Most homes in Fulton County - 59% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists earthquake (Relatively Low), tornado (Relatively Low) and wildfire (Very Low) as the leading hazards for Fulton County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Fulton County has 10 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $113,800 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Tornado (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 10 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)