Home Insurance in Mississippi County, Arkansas
With a median home value of $122,500, Mississippi County is 35% lower than the Arkansas median.
The typical home in Mississippi County was built around 1977. About 18% of homes were built before 1960, about 5 points above Arkansas's 13%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Mississippi County, the housing stock is 71% single-family homes, 7% apartments in buildings with 5+ units and 7% 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.
About 48% of owner-occupied homes in Mississippi County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Mississippi County has an owner-occupancy rate of 60% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Mississippi County - 50% - are primarily heated with natural gas.
The top hazards for Mississippi County, per FEMA's National Risk Index, are earthquake (Relatively Moderate), winter weather (Relatively Moderate) and tornado (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, Mississippi County has 123 active NFIP flood policies on file.
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 | $122,500 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Winter Weather (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 123 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
- Bassett
- Birdsong
- Blytheville
- Burdette
- Dell
- Dyess
- Etowah
- Gosnell
- Joiner
- Keiser
- Leachville
- Luxora
- Manila
- Marie
- Osceola
- Victoria
- Wilson
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)