Home Insurance in Perla, Arkansas
With a median home value of $87,500, Perla is 42% lower than the Hot Spring County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Perla was built around 1980. About 17% of homes were built before 1960, about 2 points below Hot Spring County's 19%.
In Perla, the housing stock is 63% 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.
In Perla, about 17% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Perla has an owner-occupancy rate of 48% and a vacancy rate of 49%; unoccupied homes typically need a different coverage form.
78% of homes in Perla are primarily heated with electricity.
Hot Spring County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. 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 | $87,500 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 17% |
| 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)