Home Insurance in Washington, Arkansas
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Washington was built around 1984. About 14% of homes were built before 1960, about 6 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 Washington is 65% single-family homes and 35% mobile or manufactured homes.
About 14% of owner-occupied homes in Washington have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Washington has an owner-occupancy rate of 88% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
In Washington, 55% of homes are primarily heated with electricity.
Hempstead County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Arkansas carries a statewide average premium of $1,870 per year.
Key figures
| Median year built | 1984 |
|---|---|
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 14% |
| 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)