Home Insurance in Keiser, Arkansas
Homes in Keiser carry a median value of $128,700 - 5% higher than the Mississippi County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Keiser was built around 1981. About 17% of homes were built before 1960, about 1 point below Mississippi County's 18%.
In Keiser, the housing stock is 88% single-family homes and 3% mobile or manufactured homes.
In Keiser, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Keiser has an owner-occupancy rate of 72% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
In Keiser, 73% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Keiser? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Mississippi County and Mississippi County had 123 active NFIP flood policies as of September 2026. See the full Mississippi 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 | $128,700 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Mississippi County | 123 |
| 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)