Home Insurance in Lonsdale, Arkansas
Homes in Lonsdale carry a median value of $161,900 - 17% lower than the Garland County median.
The typical home in Lonsdale was built around 2014. About 5% of homes were built before 1960, about 11 points below Garland County's 16%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Lonsdale is 27% single-family homes and 73% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 84% of owner-occupied homes in Lonsdale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 98% of occupied homes in Lonsdale are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Lonsdale - 96% - are primarily heated with electricity.
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.
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 | $161,900 |
|---|---|
| Median year built | 2014 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 84% |
| 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)