Home Insurance in LaGrange, Arkansas
The typical home in LaGrange was built around 1976. About 0% of homes were built before 1960, about 23 points below Lee County's 23%. 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 LaGrange is 92% single-family homes and 8% mobile or manufactured homes.
In LaGrange, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 97% of occupied homes in LaGrange are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
85% of homes in LaGrange are primarily heated with natural gas.
FEMA rates Lee County's overall risk as Very Low, led by earthquake (Relatively Moderate). 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.
In Arkansas, the statewide average premium for a standard HO-3 homeowners policy is $1,870 per year (NAIC, 2023 data).
Key figures
| Median year built | 1976 |
|---|---|
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 28% |
| 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)