Home Insurance in Oxford, Arkansas
Homes in Oxford carry a median value of $97,100 - 25% lower than the Izard County median.
The typical home in Oxford was built around 1986. About 16% of homes were built before 1960, about 5 points above Izard County's 11%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Oxford is 72% single-family homes and 27% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
48% of owner-occupied homes in Oxford carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Oxford has an owner-occupancy rate of 91% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Most homes in Oxford - 54% - 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.
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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Arkansas carries a statewide average premium of $1,870 per year.
Key figures
| Median home value | $97,100 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)