Home Insurance in Fulton, Arkansas
The median home value in Fulton is $129,200, 22% higher than the Hempstead County median.
The typical home in Fulton was built around 1978. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 23% of homes were built before 1960, about 3 points above Hempstead County's 20%.
The housing stock in Fulton is 68% single-family homes and 32% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
27% of owner-occupied homes in Fulton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Fulton has an owner-occupancy rate of 91% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
In Fulton, 53% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Fulton? FEMA's National Risk Index points to hail (Relatively Moderate) in Hempstead County and Hempstead County had 11 active NFIP flood policies as of September 2026. See the full Hempstead 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 | $129,200 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Hempstead County | 11 |
| 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)