Home Insurance in Newark, Arkansas
The median home value in Newark is $96,300, 32% lower than the Independence County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Newark was built around 1983. About 11% of homes were built before 1960, about 1 point below Independence County's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Newark is 57% single-family homes, 4% apartments in buildings with 5+ units and 20% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 60% of owner-occupied homes in Newark have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 53% of occupied homes in Newark are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Newark, 58% of homes are primarily heated with natural gas.
FEMA rates Independence County's overall risk as Relatively Low, led by earthquake (Relatively Low). 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.
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 | $96,300 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)