Home Insurance in Portia, Arkansas
The median home value in Portia is $85,000, 14% lower than the Lawrence County median.
The typical home in Portia was built around 1971. About 30% of homes were built before 1960, about 14 points above Lawrence County's 16%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Portia is 72% single-family homes and 11% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 56% of owner-occupied homes in Portia have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Portia are owner-occupied.
In Portia, 67% of homes are primarily heated with natural gas.
Lawrence County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $85,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)