Home Insurance in Mount Pleasant, Arkansas
Homes in Mount Pleasant carry a median value of $117,800 - 9% lower than the Izard County median.
The typical home in Mount Pleasant was built around 1985. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 17% of homes were built before 1960, about 6 points above Izard County's 11%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mount Pleasant is 69% single-family homes, 1% apartments in buildings with 5+ units and 25% mobile or manufactured homes.
49% of owner-occupied homes in Mount Pleasant carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mount Pleasant has an owner-occupancy rate of 70% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Mount Pleasant - 50% - 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's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. 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 | $117,800 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)