Home Insurance in Lincoln County, Arkansas
With a median home value of $108,000, Lincoln County is 43% lower than the Arkansas median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lincoln County was built around 1984. About 18% of homes were built before 1960, about 5 points above Arkansas's 13%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lincoln County is 65% single-family homes, 1% apartments in buildings with 5+ units and 29% mobile or manufactured homes.
About 33% of owner-occupied homes in Lincoln County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 76% of occupied homes in Lincoln County are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Lincoln County - 51% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Lincoln County, per FEMA's National Risk Index, are earthquake (Relatively Low), hurricane (Very Low) and tornado (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Lincoln County has 46 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $108,000 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Hurricane (Very Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 46 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)