Home Insurance in Izard County, Arkansas
Homes in Izard County carry a median value of $129,100 - 31% lower than the Arkansas median.
The typical home in Izard County was built around 1984. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 11% of homes were built before 1960, about 2 points below Arkansas's 13%.
In Izard County, the housing stock is 81% single-family homes, 2% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
39% of owner-occupied homes in Izard County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 75% of occupied homes in Izard County are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
56% of homes in Izard County 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.
Per FEMA's National Risk Index, Izard County's top hazards are earthquake (Relatively Low), strong wind (Relatively Moderate) and wildfire (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Izard County had 46 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $129,100 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Strong Wind (Relatively Moderate), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 46 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)