Home Insurance in Rockport, Arkansas
The median home value in Rockport is $140,300, 7% lower than the Hot Spring County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Rockport was built around 1987. About 8% of homes were built before 1960, about 11 points below Hot Spring County's 19%.
In Rockport, the housing stock is 71% single-family homes and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 50% of owner-occupied homes in Rockport have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Rockport are owner-occupied.
In Rockport, 63% of homes are primarily heated with electricity.
Hot Spring County had 48 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full Hot Spring 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 home value | $140,300 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)