HomeInsuranceQts

Home Insurance in Smithville, Arkansas

Homes in Smithville carry a median value of $92,500 - 6% lower than the Lawrence County median.

The typical home in Smithville was built around 1983. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 27% of homes were built before 1960, about 11 points above Lawrence County's 16%.

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Smithville is 78% single-family homes and 22% mobile or manufactured homes.

76% of owner-occupied homes in Smithville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Smithville has an owner-occupancy rate of 71% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.

Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Smithville - 66% - are primarily heated with propane.

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.

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$92,500
Median year built1983
Owner-occupied share71%
Share of owner-occupied homes with a mortgage76%
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 Smithville, AR

Nearby towns

Sources

Data last updated: 2026-09-29