HomeInsuranceQts

Home Insurance in Ward, Arkansas

Homes in Ward carry a median value of $189,100 - close to the Lonoke County median.

The typical home in Ward was built around 2006. About 3% of homes were built before 1960, about 3 points below Lonoke County's 6%. 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 Ward is 79% single-family homes, 2% apartments in buildings with 5+ units and 12% mobile or manufactured homes.

In Ward, about 78% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Ward has an owner-occupancy rate of 69% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.

79% of homes in Ward 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.

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$189,100
Median year built2006
Owner-occupied share69%
Share of owner-occupied homes with a mortgage78%
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 Ward, AR

Nearby towns

Sources

Data last updated: 2026-09-29