Home Insurance in Marmaduke, Arkansas
With a median home value of $112,200, Marmaduke is 34% lower than the Greene County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Marmaduke was built around 1981. About 21% of homes were built before 1960, about 10 points above Greene County's 11%.
The housing stock in Marmaduke is 62% single-family homes, 1% apartments in buildings with 5+ units and 22% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 76% of owner-occupied homes in Marmaduke have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 48% of occupied homes in Marmaduke are owner-occupied.
59% of homes in Marmaduke are primarily heated with electricity.
Greene County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Greene County had 346 active NFIP flood policies as of September 2026. See the full Greene County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $112,200 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Greene County | 346 |
| 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)