Home Insurance in Southside, Arkansas
Homes in Southside carry a median value of $151,300 - 6% higher than the Independence County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Southside was built around 1988. About 5% of homes were built before 1960, about 7 points below Independence County's 12%.
In Southside, the housing stock is 76% single-family homes, 5% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 67% of owner-occupied homes in Southside have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Southside has an owner-occupancy rate of 66% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
71% of homes in Southside are primarily heated with electricity.
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 | $151,300 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)