Home Insurance in Bradley, Arkansas
The median home value in Bradley is $63,800, 21% lower than the Lafayette County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bradley was built around 1978. About 16% of homes were built before 1960, about 7 points below Lafayette County's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bradley is 65% single-family homes, 11% apartments in buildings with 5+ units and 17% mobile or manufactured homes.
24% of owner-occupied homes in Bradley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 70% of occupied homes in Bradley are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Bradley - 62% - are primarily heated with electricity.
What's the biggest home insurance risk near Bradley? FEMA's National Risk Index points to hail (Relatively Low) in Lafayette County and Lafayette County had 4 active NFIP flood policies as of September 2026. See the full Lafayette County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $63,800 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Lafayette County | 4 |
| 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)