Home Insurance in McCaskill, Arkansas
Homes in McCaskill carry a median value of $171,900 - 63% higher than the Hempstead County median.
The typical home in McCaskill was built around 1985. About 14% of homes were built before 1960, about 6 points below Hempstead County's 20%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in McCaskill is 57% single-family homes and 43% mobile or manufactured homes.
33% of owner-occupied homes in McCaskill carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 56% of occupied homes in McCaskill are owner-occupied. The vacancy rate is 43%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
81% of homes in McCaskill are primarily heated with electricity.
What's the biggest home insurance risk near McCaskill? 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 | $171,900 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)