Home Insurance in Donaldson, Arkansas
With a median home value of $85,000, Donaldson is 44% lower than the Hot Spring County median.
The typical home in Donaldson was built around 1987. About 21% of homes were built before 1960, about 2 points above Hot Spring County's 19%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Donaldson, the housing stock is 46% single-family homes and 54% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 16% of owner-occupied homes in Donaldson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Donaldson has an owner-occupancy rate of 71% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
In Donaldson, 60% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Donaldson? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Hot Spring County and Hot Spring County had 48 active NFIP flood policies as of September 2026. See the full Hot Spring 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 | $85,000 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 16% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Hot Spring County | 48 |
| 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)