Home Insurance in Pine Bluff, Arkansas
The median home value in Pine Bluff is $89,400, 21% lower than the Jefferson County median.
The typical home in Pine Bluff was built around 1972. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 27% of homes were built before 1960, about 7 points above Jefferson County's 20%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pine Bluff is 74% single-family homes, 15% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
In Pine Bluff, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 52% of occupied homes in Pine Bluff are owner-occupied.
Most homes in Pine Bluff - 53% - are primarily heated with natural gas.
What's the biggest home insurance risk near Pine Bluff? FEMA's National Risk Index points to strong wind (Relatively High) in Jefferson County and Jefferson County had 309 active NFIP flood policies as of September 2026. See the full Jefferson County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $89,400 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Jefferson County | 309 |
| 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)