Home Insurance in Sherrill, Arkansas
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Sherrill was built around 1973. About 36% of homes were built before 1960, about 16 points above Jefferson County's 20%.
In Sherrill, the housing stock is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
Almost no owner-occupied homes in Sherrill carry a mortgage.
About 41% of occupied homes in Sherrill are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Sherrill, 78% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Sherrill? 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.
The statewide average premium for a standard HO-3 homeowners policy in Arkansas is $1,870 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median year built | 1973 |
|---|---|
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)