Home Insurance in Swifton, Arkansas
The median home value in Swifton is $80,000, 19% lower than the Jackson County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Swifton was built around 1979. About 16% of homes were built before 1960, about 6 points below Jackson County's 22%.
In Swifton, the housing stock is 90% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
55% of owner-occupied homes in Swifton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Swifton are owner-occupied.
In Swifton, 69% of homes 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 home value | $80,000 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)