Home Insurance in Pineville, Arkansas
The typical home in Pineville was built around 1990. About 14% of homes were built before 1960, about 4 points above Izard County's 11%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Pineville, the housing stock is 61% single-family homes and 34% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 42% of owner-occupied homes in Pineville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Pineville are owner-occupied.
Most homes in Pineville - 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 Pineville? 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 | 1990 |
|---|---|
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)