Home Insurance in Hartman, Arkansas
Homes in Hartman carry a median value of $127,500 - 6% lower than the Johnson County median.
The typical home in Hartman was built around 1965. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 40% of homes were built before 1960, about 25 points above Johnson County's 15%.
The housing stock in Hartman is 91% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 34% of owner-occupied homes in Hartman have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hartman has an owner-occupancy rate of 64% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
68% of homes in Hartman are primarily heated with natural gas.
Johnson County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Johnson County had 49 active NFIP flood policies as of September 2026. 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 | $127,500 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)