Home Insurance in Nashville, Arkansas
With a median home value of $167,600, Nashville is 9% higher than the Howard County median.
The typical home in Nashville was built around 1972. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 32% of homes were built before 1960, about 14 points above Howard County's 18%.
The housing stock in Nashville is 79% single-family homes, 3% apartments in buildings with 5+ units and 6% 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 Nashville, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Nashville has an owner-occupancy rate of 59% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Nashville - 60% - are primarily heated with electricity.
FEMA rates Howard County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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.
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 | $167,600 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)