Home Insurance in Fouke, Arkansas
Homes in Fouke carry a median value of $84,200 - 45% lower than the Miller County median.
The typical home in Fouke was built around 1983. About 18% of homes were built before 1960, about 2 points above Miller County's 17%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Fouke is 58% single-family homes, 2% apartments in buildings with 5+ units and 40% mobile or manufactured homes.
In Fouke, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 61% of occupied homes in Fouke are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Fouke - 59% - are primarily heated with electricity.
Miller County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Miller County had 158 active NFIP flood policies as of September 2026. See the full Miller 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 | $84,200 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Miller County | 158 |
| 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)