HomeInsuranceQts

Home Insurance in Humnoke, Arkansas

With a median home value of $73,800, Humnoke is 62% lower than the Lonoke County median.

The typical home in Humnoke was built around 1969. About 20% of homes were built before 1960, about 14 points above Lonoke County's 6%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.

In Humnoke, the housing stock is 86% single-family homes and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

23% of owner-occupied homes in Humnoke carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Humnoke has an owner-occupancy rate of 75% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.

51% of homes in Humnoke are primarily heated with natural gas.

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.

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$73,800
Median year built1969
Owner-occupied share75%
Share of owner-occupied homes with a mortgage23%
Top county hazardEarthquake (Relatively Moderate)
Active NFIP policies in Lonoke County209
Home insurance premium$1,870 - statewide average (NAIC, 2023 data)
Key home insurance figures for Humnoke, AR

Nearby towns

Sources

Data last updated: 2026-09-29