Home Insurance in Fountain Lake, Arkansas
The median home value in Fountain Lake is $164,300, 15% lower than the Garland County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Fountain Lake was built around 1986. About 15% of homes were built before 1960, about 2 points below Garland County's 16%.
The housing stock in Fountain Lake is 70% single-family homes and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 37% of owner-occupied homes in Fountain Lake have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Fountain Lake has an owner-occupancy rate of 77% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Fountain Lake - 86% - 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.
Garland County had 774 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Garland 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 | $164,300 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Garland County | 774 |
| 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)