Home Insurance in Jefferson County, Arkansas
The median home value in Jefferson County is $113,400, 40% lower than the Arkansas median.
The typical home in Jefferson County was built around 1978. About 20% of homes were built before 1960, about 7 points above Arkansas's 13%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Jefferson County is 72% single-family homes, 10% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
46% of owner-occupied homes in Jefferson County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Jefferson County are owner-occupied.
Most homes in Jefferson County - 53% - are primarily heated with electricity.
FEMA's National Risk Index lists strong wind (Relatively High), earthquake (Relatively Moderate) and tornado (Relatively High) as the leading hazards for Jefferson County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Jefferson County had 309 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $113,400 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Earthquake (Relatively Moderate), Tornado (Relatively High) |
| Active NFIP flood policies (county) | 309 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)