Home Insurance in Stamps, Arkansas
The median home value in Stamps is $67,100, 17% lower than the Lafayette County median.
The typical home in Stamps was built around 1974. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 34% of homes were built before 1960, about 11 points above Lafayette County's 23%.
In Stamps, the housing stock is 71% 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.
About 38% of owner-occupied homes in Stamps have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Stamps has an owner-occupancy rate of 73% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
56% of homes in Stamps are primarily heated with natural gas.
What's the biggest home insurance risk near Stamps? 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.
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 | $67,100 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)