Home Insurance in Strawberry, Arkansas
With a median home value of $150,000, Strawberry is 52% higher than the Lawrence County median.
The typical home in Strawberry was built around 1983. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 17% of homes were built before 1960, in line with Lawrence County (16%).
The housing stock in Strawberry is 88% single-family homes, 1% 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.
33% of owner-occupied homes in Strawberry carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 87% of occupied homes in Strawberry are owner-occupied.
Most homes in Strawberry - 59% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Strawberry? 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 | $150,000 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)