Home Insurance in St. Paul, Arkansas
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in St. Paul was built in 1939 or earlier. About 57% of homes were built before 1960, about 41 points above Madison County's 16%.
The housing stock in St. Paul is 100% single-family homes.
In St. Paul, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 70% of occupied homes in St. Paul are owner-occupied. The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In St. Paul, 64% of homes are primarily heated with natural gas.
FEMA rates Madison County's overall risk as Relatively Low, led by wildfire (Relatively Low). 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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)