Home Insurance in Imboden, Arkansas
The median home value in Imboden is $104,900, 6% higher than the Lawrence County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Imboden was built around 1973. About 19% of homes were built before 1960, about 3 points above Lawrence County's 16%.
In Imboden, the housing stock is 82% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
38% of owner-occupied homes in Imboden carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 52% of occupied homes in Imboden are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Imboden - 61% - are primarily heated with natural gas.
What's the biggest home insurance risk near Imboden? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Lawrence County and 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 | $104,900 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Lawrence County | 121 |
| 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)