Home Insurance in Perrytown, Arkansas
With a median home value of $125,000, Perrytown is 18% higher than the Hempstead County median.
The typical home in Perrytown was built around 1988. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 4% of homes were built before 1960, about 16 points below 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 Perrytown is 68% single-family homes, 9% apartments in buildings with 5+ units and 23% mobile or manufactured homes.
54% of owner-occupied homes in Perrytown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Perrytown has an owner-occupancy rate of 90% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
74% of homes in Perrytown are primarily heated with natural gas.
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 home value | $125,000 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)