Home Insurance in Tollette, Arkansas
Homes in Tollette carry a median value of $76,800 - 50% lower than the Howard County median.
The typical home in Tollette was built around 1982. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 0% of homes were built before 1960, about 18 points below Howard County's 18%.
The housing stock in Tollette is 77% single-family homes and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
12% of owner-occupied homes in Tollette carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Tollette has an owner-occupancy rate of 86% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
In Tollette, 55% of homes are primarily heated with natural gas.
Howard County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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.
In Arkansas, the statewide average premium for a standard HO-3 homeowners policy is $1,870 per year (NAIC, 2023 data).
Key figures
| Median home value | $76,800 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 12% |
| 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)