Home Insurance in Hot Spring County, Arkansas
With a median home value of $151,100, Hot Spring County is 20% lower than the Arkansas median.
The typical home in Hot Spring County was built around 1979. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 19% of homes were built before 1960, about 6 points above Arkansas's 13%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hot Spring County is 70% single-family homes, 2% apartments in buildings with 5+ units and 23% mobile or manufactured homes.
46% of owner-occupied homes in Hot Spring County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 76% of occupied homes in Hot Spring County are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Hot Spring County - 58% - are primarily heated with electricity.
FEMA's National Risk Index lists strong wind (Relatively Moderate), hail (Relatively Moderate) and earthquake (Relatively Low) as the leading hazards for Hot Spring County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Hot Spring County has 48 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $151,100 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Hail (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 48 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)