Home Insurance in McNab, Arkansas
With a median home value of $31,800, McNab is 70% lower than the Hempstead 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 McNab was built around 1975. About 47% of homes were built before 1960, about 27 points above Hempstead County's 20%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in McNab is 53% single-family homes and 47% mobile or manufactured homes.
In McNab, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
All occupied homes in McNab are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In McNab, 80% of homes are primarily heated with electricity.
What's the biggest home insurance risk near McNab? 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.
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 | $31,800 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)