Home Insurance in White Hall, Arkansas
The median home value in White Hall is $212,700, 88% higher than the Jefferson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in White Hall was built around 1990. About 6% of homes were built before 1960, about 14 points below Jefferson County's 20%.
The housing stock in White Hall is 74% single-family homes, 6% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In White Hall, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 54% of occupied homes in White Hall are owner-occupied.
65% of homes in White Hall are primarily heated with electricity.
Jefferson County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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 home value | $212,700 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)