Home Insurance in Patmos, Arkansas
The typical home in Patmos was built around 1969. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 19% of homes were built before 1960, about 2 points below Hempstead County's 20%.
The housing stock in Patmos is 70% single-family homes and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
53% of owner-occupied homes in Patmos carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 44%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Patmos are owner-occupied.
Most homes in Patmos - 53% - are primarily heated with electricity.
Hempstead County had 11 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). 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 year built | 1969 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)