Home Insurance in Lawrence County, Arkansas
With a median home value of $98,900, Lawrence County is 47% lower than the Arkansas median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lawrence County was built around 1978. About 16% of homes were built before 1960, about 3 points above Arkansas's 13%.
The housing stock in Lawrence County is 79% single-family homes, 2% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lawrence County, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Lawrence County are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 44% of homes in Lawrence County are primarily heated with natural gas.
The top hazards for Lawrence County, per FEMA's National Risk Index, are earthquake (Relatively Moderate), tornado (Relatively Moderate) and strong wind (Relatively Moderate). 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, Lawrence County has 121 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 | $98,900 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Tornado (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 121 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
- Alicia
- Black Rock
- Hoxie
- Imboden
- Lynn
- Minturn
- Portia
- Powhatan
- Ravenden
- Sedgwick
- Smithville
- Strawberry
- Walnut Ridge
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)