Home Insurance in Dierks, Arkansas
With a median home value of $100,200, Dierks is 35% lower than the Howard County median.
The typical home in Dierks was built around 1974. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 24% of homes were built before 1960, about 6 points above Howard County's 18%.
In Dierks, the housing stock is 68% single-family homes and 20% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Dierks, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Dierks has an owner-occupancy rate of 63% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Most homes in Dierks - 51% - are primarily heated with natural gas.
What's the biggest home insurance risk near Dierks? FEMA's National Risk Index points to hail (Relatively Moderate) in Howard County and Howard County had 29 active NFIP flood policies as of September 2026. See the full Howard 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 | $100,200 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Howard County | 29 |
| 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)