Home Insurance in Horseshoe Bend, Arkansas
The median home value in Horseshoe Bend is $128,500, close to 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 Horseshoe Bend was built around 1978. About 2% of homes were built before 1960, about 9 points below Izard County's 11%.
In Horseshoe Bend, the housing stock is 80% single-family homes, 2% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 47% of owner-occupied homes in Horseshoe Bend have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Horseshoe Bend has an owner-occupancy rate of 77% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 77% of homes in Horseshoe Bend are primarily heated with electricity.
What's the biggest home insurance risk near Horseshoe Bend? 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.
In Arkansas, the statewide average premium for a standard HO-3 homeowners policy is $1,870 per year (NAIC, 2023 data).
Key figures
| Median home value | $128,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)