Home Insurance in Pleasant Plains, Arkansas
Homes in Pleasant Plains carry a median value of $118,800 - 17% lower than the Independence County median.
The typical home in Pleasant Plains was built around 1979. About 13% of homes were built before 1960, about 1 point above Independence County's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pleasant Plains is 85% single-family homes and 13% mobile or manufactured homes.
In Pleasant Plains, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Pleasant Plains has an owner-occupancy rate of 90% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Pleasant Plains - 61% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $118,800 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)