Home Insurance in Howard County, Arkansas
The median home value in Howard County is $153,900, 18% lower than the Arkansas median.
The typical home in Howard County was built around 1979. About 18% of homes were built before 1960, about 5 points above Arkansas's 13%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Howard County is 75% single-family homes, 1% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
41% of owner-occupied homes in Howard County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 73% of occupied homes in Howard County are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Howard County, 63% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Howard County's top hazards are hail (Relatively Moderate), earthquake (Relatively Low) and hurricane (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Howard County had 29 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $153,900 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Earthquake (Relatively Low), Hurricane (Very Low) |
| Active NFIP flood policies (county) | 29 |
| 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)