Home Insurance in Haynes, Arkansas
The typical home in Haynes was built around 1977. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 7% of homes were built before 1960, about 16 points below Lee County's 23%.
The housing stock in Haynes is 79% single-family homes and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
3% of owner-occupied homes in Haynes carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 94% of occupied homes in Haynes are owner-occupied. The vacancy rate is 44%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Haynes - 81% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Lee County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Lee County had 69 active NFIP flood policies as of September 2026. See the full Lee 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 year built | 1977 |
|---|---|
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 3% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Lee County | 69 |
| 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)