Home Insurance in Logan County, Arkansas
Homes in Logan County carry a median value of $139,900 - 26% lower than the Arkansas median.
The typical home in Logan County was built around 1979. About 20% of homes were built before 1960, about 7 points above Arkansas's 13%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Logan County is 84% single-family homes, 2% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Logan County, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Logan County are owner-occupied.
Most homes in Logan County - 59% - are primarily heated with electricity.
The top hazards for Logan County, per FEMA's National Risk Index, are wildfire (Relatively Low), tornado (Relatively Moderate) and earthquake (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Logan County had 14 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 home value | $139,900 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Tornado (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 14 |
| 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)