Home Insurance in Ratcliff, Arkansas
The median home value in Ratcliff is $115,300, 18% lower than the Logan County median.
The typical home in Ratcliff was built around 1994. About 11% of homes were built before 1960, about 9 points below Logan County's 20%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ratcliff is 84% single-family homes and 8% mobile or manufactured homes.
In Ratcliff, about 22% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ratcliff has an owner-occupancy rate of 92% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Most homes in Ratcliff - 73% - are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Logan County's overall risk as Relatively Low, led by wildfire (Relatively Low). Logan County had 14 active NFIP flood policies as of September 2026. See the full Logan County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $115,300 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 22% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Logan County | 14 |
| 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)