Home Insurance in Subiaco, Arkansas
With a median home value of $169,000, Subiaco is 21% higher than the Logan County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Subiaco was built around 1979. About 13% of homes were built before 1960, about 7 points below Logan County's 20%.
The housing stock in Subiaco is 94% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Subiaco, about 22% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Subiaco has an owner-occupancy rate of 90% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
57% of homes in Subiaco are primarily heated with natural gas.
Logan County had 14 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Logan 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 | $169,000 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 90% |
| 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)