Home Insurance in Grubbs, Arkansas
The typical home in Grubbs was built around 1975. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 17% of homes were built before 1960, about 5 points below Jackson County's 22%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Grubbs is 64% single-family homes and 32% mobile or manufactured homes.
About 4% of owner-occupied homes in Grubbs have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Grubbs are owner-occupied.
Most homes in Grubbs - 64% - are primarily heated with natural gas.
FEMA rates Jackson County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). 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.
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 year built | 1975 |
|---|---|
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 4% |
| 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)