Home Insurance in Luxora, Arkansas
The median home value in Luxora is $31,700, 74% lower than the Mississippi County median.
The typical home in Luxora was built around 1972. About 31% of homes were built before 1960, about 13 points above Mississippi County's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Luxora, the housing stock is 69% single-family homes and 15% 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.
In Luxora, about 19% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Luxora has an owner-occupancy rate of 58% and a vacancy rate of 34%; unoccupied homes typically need a different coverage form.
Most homes in Luxora - 62% - are primarily heated with natural gas.
FEMA rates Mississippi County's overall risk as Relatively Moderate, led by earthquake (Relatively Moderate). 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.
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 | $31,700 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 19% |
| 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)