Home Insurance in Foreman, Arkansas
With a median home value of $95,100, Foreman is 16% lower than the Little River County median.
The typical home in Foreman was built around 1975. About 16% of homes were built before 1960, about 6 points above Little River County's 10%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Foreman, the housing stock is 64% single-family homes, 2% apartments in buildings with 5+ units and 20% 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 Foreman, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Foreman has an owner-occupancy rate of 69% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
52% of homes in Foreman are primarily heated with electricity.
FEMA rates Little River County's overall risk as Relatively Low, led by hail (Relatively Moderate). Little River County had 4 active NFIP flood policies as of September 2026. See the full Little River County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Arkansas, the statewide average premium for a standard HO-3 homeowners policy is $1,870 per year (NAIC, 2023 data).
Key figures
| Median home value | $95,100 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Little River County | 4 |
| 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)