Home Insurance in Walnut Ridge, Arkansas
Homes in Walnut Ridge carry a median value of $117,900 - 19% higher 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 Walnut Ridge was built around 1977. About 20% of homes were built before 1960, about 4 points above Lawrence County's 16%.
In Walnut Ridge, the housing stock is 80% single-family homes and 5% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 56% of owner-occupied homes in Walnut Ridge have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Walnut Ridge has an owner-occupancy rate of 57% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
69% of homes in Walnut Ridge 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.
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 | $117,900 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 57% |
| 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)