HomeInsuranceQts

Home Insurance in Osceola, Arkansas

With a median home value of $99,900, Osceola is 18% lower than the Mississippi County median.

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Osceola was built around 1978. About 12% of homes were built before 1960, about 6 points below Mississippi County's 18%.

In Osceola, the housing stock is 63% single-family homes, 6% 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.

39% of owner-occupied homes in Osceola carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 43% of occupied homes in Osceola are owner-occupied.

In Osceola, 50% of homes are primarily heated with electricity.

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.

According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Arkansas carries a statewide average premium of $1,870 per year.

Key figures

Median home value$99,900
Median year built1978
Owner-occupied share43%
Share of owner-occupied homes with a mortgage39%
Top county hazardEarthquake (Relatively Moderate)
Active NFIP policies in Mississippi County123
Home insurance premium$1,870 - statewide average (NAIC, 2023 data)
Key home insurance figures for Osceola, AR

Nearby towns

Sources

Data last updated: 2026-09-29