Home Insurance in Brinkley, Arkansas
With a median home value of $94,000, Brinkley is 6% higher than the Monroe County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Brinkley was built around 1975. About 16% of homes were built before 1960, about 4 points below Monroe County's 20%.
The housing stock in Brinkley is 72% single-family homes, 7% apartments in buildings with 5+ units and 8% 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 39% of owner-occupied homes in Brinkley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Brinkley has an owner-occupancy rate of 59% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
59% of homes in Brinkley are primarily heated with electricity.
FEMA rates Monroe County's overall risk as Very Low, led by earthquake (Relatively Low). Monroe County had 128 active NFIP flood policies as of September 2026. See the full Monroe 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 | $94,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Monroe County | 128 |
| 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)