HomeInsuranceQts

Home Insurance in Hoxie, Arkansas

Homes in Hoxie carry a median value of $87,600 - 11% lower than the Lawrence County median.

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Hoxie was built around 1978. About 8% of homes were built before 1960, about 8 points below Lawrence County's 16%.

In Hoxie, the housing stock is 79% single-family homes, 3% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

25% of owner-occupied homes in Hoxie carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Hoxie has an owner-occupancy rate of 54% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.

67% of homes in Hoxie are primarily heated with natural gas.

FEMA rates Lawrence County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Lawrence County had 121 active NFIP flood policies as of September 2026. See the full Lawrence County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.

The statewide average premium for a standard HO-3 homeowners policy in Arkansas is $1,870 per year, according to the NAIC homeowners insurance report (2023 data).

Key figures

Median home value$87,600
Median year built1978
Owner-occupied share54%
Share of owner-occupied homes with a mortgage25%
Top county hazardEarthquake (Relatively Moderate)
Active NFIP policies in Lawrence County121
Home insurance premium$1,870 - statewide average (NAIC, 2023 data)
Key home insurance figures for Hoxie, AR

Nearby towns

Sources

Data last updated: 2026-09-29