Home Insurance in Batesville, Arkansas
The median home value in Batesville is $163,600, 15% higher than the Independence County median.
The typical home in Batesville was built around 1980. About 21% of homes were built before 1960, about 9 points above Independence County's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Batesville is 78% single-family homes, 11% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Batesville, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Batesville has an owner-occupancy rate of 51% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
50% of homes in Batesville are primarily heated with natural gas.
Independence County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Independence County had 99 active NFIP flood policies as of September 2026. See the full Independence County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $163,600 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Independence County | 99 |
| 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)