Home Insurance in Garland County, Arkansas
With a median home value of $194,300, Garland County is close to the Arkansas median.
The typical home in Garland County was built around 1984. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 16% of homes were built before 1960, about 3 points above Arkansas's 13%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Garland County is 67% single-family homes, 12% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
About 49% of owner-occupied homes in Garland County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Garland County are owner-occupied.
Most homes in Garland County - 66% - are primarily heated with electricity.
Per FEMA's National Risk Index, Garland County's top hazards are strong wind (Relatively High), tornado (Relatively High) and hail (Relatively High).
As of September 2026, Garland County has 774 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Arkansas, the statewide average premium for a standard HO-3 homeowners policy is $1,870 per year (NAIC, 2023 data).
Key figures
| Median home value | $194,300 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Tornado (Relatively High), Hail (Relatively High) |
| Active NFIP flood policies (county) | 774 |
| 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)