Home Insurance in Johnson County, Arkansas
The median home value in Johnson County is $135,300, 28% lower than the Arkansas median.
The typical home in Johnson County was built around 1986. About 15% of homes were built before 1960, about 2 points above Arkansas's 13%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Johnson County is 77% single-family homes, 5% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
47% of owner-occupied homes in Johnson County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Johnson County has an owner-occupancy rate of 74% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Johnson County - 59% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Johnson County's top hazards are tornado (Relatively Moderate), earthquake (Relatively Low) and wildfire (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Johnson County has 49 active NFIP flood policies on file.
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 | $135,300 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Earthquake (Relatively Low), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 49 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
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)