Home Insurance in Madison County, Arkansas
Homes in Madison County carry a median value of $178,100 - 5% lower than the Arkansas median.
The typical home in Madison County was built around 1990. About 16% of homes were built before 1960, about 3 points above Arkansas's 13%. 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 Madison County is 78% single-family homes, 1% apartments in buildings with 5+ units and 18% mobile or manufactured homes.
In Madison County, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Madison County has an owner-occupancy rate of 80% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Madison County, 33% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Madison County's top hazards are wildfire (Relatively Low), winter weather (Relatively Moderate) and tornado (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Madison County has 5 active NFIP flood policies on file.
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 | $178,100 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Winter Weather (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 5 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)