Home Insurance in Huntsville, Arkansas
With a median home value of $163,600, Huntsville is 8% lower than the Madison County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Huntsville was built around 1979. About 14% of homes were built before 1960, about 2 points below Madison County's 16%.
In Huntsville, the housing stock is 81% single-family homes, 8% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 64% of owner-occupied homes in Huntsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Huntsville are owner-occupied.
Most homes in Huntsville - 67% - are primarily heated with natural gas.
What's the biggest home insurance risk near Huntsville? FEMA's National Risk Index points to wildfire (Relatively Low) in Madison County and Madison County had 5 active NFIP flood policies as of September 2026. See the full Madison County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $163,600 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Madison County | 5 |
| 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)