Home Insurance in Lafayette County, Arkansas
The median home value in Lafayette County is $81,000, 57% lower than the Arkansas median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Lafayette County was built around 1978. About 23% of homes were built before 1960, about 10 points above Arkansas's 13%.
In Lafayette County, the housing stock is 68% single-family homes, 1% apartments in buildings with 5+ units and 28% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lafayette County, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lafayette County has an owner-occupancy rate of 79% and a vacancy rate of 33%; unoccupied homes typically need a different coverage form.
Most homes in Lafayette County - 53% - 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.
FEMA's National Risk Index lists hail (Relatively Low), hurricane (Relatively Low) and earthquake (Very Low) as the leading hazards for Lafayette County. 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, Lafayette County has 4 active NFIP flood policies on file.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Arkansas carries a statewide average premium of $1,870 per year.
Key figures
| Median home value | $81,000 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Hurricane (Relatively Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 4 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)