Home Insurance in Coy, Arkansas
Homes in Coy carry a median value of $98,800 - 49% lower than the Lonoke County median.
The typical home in Coy was built around 1984. About 0% of homes were built before 1960, about 6 points below Lonoke County's 6%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Coy is 63% single-family homes and 37% mobile or manufactured homes.
About 13% of owner-occupied homes in Coy have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Coy are owner-occupied.
Most homes in Coy - 70% - are primarily heated with electricity.
FEMA rates Lonoke County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Lonoke County had 209 active NFIP flood policies as of September 2026. 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.
The statewide average premium for a standard HO-3 homeowners policy in Arkansas is $1,870 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $98,800 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 13% |
| 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)