Home Insurance in Guion, Arkansas
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Guion was built around 1976. About 14% of homes were built before 1960, about 3 points above Izard County's 11%.
The housing stock in Guion is 90% single-family homes and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 38% of owner-occupied homes in Guion have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Guion has an owner-occupancy rate of 100% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
Most homes in Guion - 52% - 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.
What's the biggest home insurance risk near Guion? FEMA's National Risk Index points to earthquake (Relatively Low) in Izard County and Izard County had 46 active NFIP flood policies as of September 2026. 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 year built | 1976 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)