Home Insurance in Star City, Arkansas
The median home value in Star City is $122,300, 13% higher than the Lincoln County median.
The typical home in Star City was built around 1978. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 29% of homes were built before 1960, about 11 points above Lincoln County's 18%.
In Star City, the housing stock is 74% single-family homes, 1% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Star City, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Star City has an owner-occupancy rate of 61% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
Most homes in Star City - 51% - are primarily heated with natural gas.
FEMA rates Lincoln County's overall risk as Very Low, led by earthquake (Relatively Low). Lincoln County had 46 active NFIP flood policies as of September 2026. See the full Lincoln 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 | $122,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Lincoln County | 46 |
| 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)