Home Insurance in Hempstead County, Arkansas
With a median home value of $105,700, Hempstead County is 44% lower than the Arkansas median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Hempstead County was built around 1979. About 20% of homes were built before 1960, about 7 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 Hempstead County is 73% single-family homes, 3% apartments in buildings with 5+ units and 19% mobile or manufactured homes.
About 39% of owner-occupied homes in Hempstead County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Hempstead County are owner-occupied.
46% of homes in Hempstead County are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Hempstead County, per FEMA's National Risk Index, are hail (Relatively Moderate), earthquake (Relatively Low) and tornado (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Hempstead County has 11 active NFIP flood policies on file.
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 | $105,700 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Earthquake (Relatively Low), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 11 |
| 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)