Home Insurance in Calico Rock, Arkansas
Homes in Calico Rock carry a median value of $93,800 - 27% lower than the Izard County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Calico Rock was built around 1982. About 12% of homes were built before 1960, in line with Izard County (11%).
In Calico Rock, the housing stock is 58% single-family homes, 7% apartments in buildings with 5+ units and 22% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
51% of owner-occupied homes in Calico Rock carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Calico Rock are owner-occupied.
Most homes in Calico Rock - 55% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Izard County had 46 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full Izard 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 | $93,800 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Izard County | 46 |
| 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)