Home Insurance in Oakhaven, Arkansas
Homes in Oakhaven carry a median value of $115,600 - 9% higher than the Hempstead County median.
The typical home in Oakhaven was built around 1945. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 82% of homes were built before 1960, about 62 points above Hempstead County's 20%.
Housing in Oakhaven breaks down to 100% single-family homes.
91% of owner-occupied homes in Oakhaven carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Oakhaven are owner-occupied.
91% of homes in Oakhaven are primarily heated with natural gas.
What's the biggest home insurance risk near Oakhaven? 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 | $115,600 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 91% |
| 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)