Home Insurance in Ogden, Arkansas
The median home value in Ogden is $46,800, 59% lower than the Little River County median.
The typical home in Ogden was built around 1967. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 11% of homes were built before 1960, about 1 point above Little River County's 10%.
The housing stock in Ogden is 88% single-family homes and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Ogden, about 12% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ogden has an owner-occupancy rate of 75% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
81% of homes in Ogden are primarily heated with electricity.
Little River County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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 | $46,800 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 12% |
| 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)