Home Insurance in Texarkana, Arkansas
Homes in Texarkana carry a median value of $170,200 - 11% higher than the Miller County median.
The typical home in Texarkana was built around 1979. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 22% of homes were built before 1960, about 5 points above Miller County's 17%.
The housing stock in Texarkana is 70% single-family homes, 13% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
46% of owner-occupied homes in Texarkana carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Texarkana has an owner-occupancy rate of 55% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Texarkana - 51% - are primarily heated with electricity.
Miller County had 158 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). 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 | $170,200 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)