Home Insurance in Clarksville, Arkansas
With a median home value of $164,800, Clarksville is 22% higher than the Johnson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Clarksville was built around 1986. About 16% of homes were built before 1960, in line with Johnson County (15%).
The housing stock in Clarksville is 69% single-family homes, 12% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
47% of owner-occupied homes in Clarksville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Clarksville has an owner-occupancy rate of 50% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Clarksville, 54% of homes are primarily heated with electricity.
Johnson County had 49 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Johnson 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 | $164,800 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Johnson County | 49 |
| 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)