Home Insurance in Garland, Arkansas
The median home value in Garland is $39,200, 75% lower than the Miller County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Garland was built around 1977. About 18% of homes were built before 1960, about 1 point above Miller County's 17%.
The housing stock in Garland is 88% single-family homes and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Garland, about 23% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Garland has an owner-occupancy rate of 43% and a vacancy rate of 32%; unoccupied homes typically need a different coverage form.
Most homes in Garland - 52% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Miller County's overall risk as Relatively Low, led by hail (Relatively High). 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.
The statewide average premium for a standard HO-3 homeowners policy in Arkansas is $1,870 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $39,200 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 23% |
| 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)