Home Insurance in Bull Shoals, Arkansas
Homes in Bull Shoals carry a median value of $158,100 - close to the Marion County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bull Shoals was built around 1986. About 7% of homes were built before 1960, about 6 points below Marion County's 13%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bull Shoals is 70% single-family homes, 9% apartments in buildings with 5+ units and 17% mobile or manufactured homes.
43% of owner-occupied homes in Bull Shoals carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bull Shoals has an owner-occupancy rate of 70% and a vacancy rate of 30%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 80% of homes in Bull Shoals are primarily heated with electricity.
FEMA rates Marion County's overall risk as Relatively Low, led by earthquake (Relatively Low). Marion County had 12 active NFIP flood policies as of September 2026. See the full Marion County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $158,100 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Marion County | 12 |
| 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)