Home Insurance in Marion County, Arkansas
The median home value in Marion County is $163,300, 13% lower than the Arkansas median.
The typical home in Marion County was built around 1986. About 13% of homes were built before 1960, in line with Arkansas (13%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Marion County is 78% single-family homes, 2% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 40% of owner-occupied homes in Marion County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Marion County has an owner-occupancy rate of 81% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
59% of homes in Marion County are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Marion County's top hazards are earthquake (Relatively Low), wildfire (Relatively Low) and strong wind (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Marion County has 12 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 | $163,300 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Wildfire (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 12 |
| 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)