Home Insurance in Diaz, Arkansas
With a median home value of $87,200, Diaz is 11% lower than the Jackson County median.
The typical home in Diaz was built around 1982. About 14% of homes were built before 1960, about 8 points below Jackson County's 22%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Diaz is 84% single-family homes, 13% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 41% of owner-occupied homes in Diaz have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Diaz has an owner-occupancy rate of 64% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Diaz, 56% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Diaz? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Jackson County and Jackson County had 153 active NFIP flood policies as of September 2026. See the full Jackson 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 | $87,200 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Jackson County | 153 |
| 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)