Home Insurance in Austin, Arkansas
With a median home value of $220,500, Austin is 14% higher than the Lonoke County median.
The typical home in Austin was built around 2008. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 2% of homes were built before 1960, about 4 points below Lonoke County's 6%.
In Austin, the housing stock is 98% single-family homes.
87% of owner-occupied homes in Austin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Austin has an owner-occupancy rate of 81% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
69% of homes in Austin are primarily heated with electricity.
Lonoke County had 209 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). See the full Lonoke County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $220,500 |
|---|---|
| Median year built | 2008 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 87% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Lonoke County | 209 |
| 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)