HomeInsuranceQts

Home Insurance in Roe, Arkansas

The typical home in Roe was built around 1971. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 27% of homes were built before 1960, about 7 points above Monroe County's 20%.

The housing stock in Roe is 73% single-family homes and 27% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Roe, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

All occupied homes in Roe are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

Most homes in Roe - 78% - 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.

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.

In Arkansas, the statewide average premium for a standard HO-3 homeowners policy is $1,870 per year (NAIC, 2023 data).

Key figures

Median year built1971
Owner-occupied share100%
Share of owner-occupied homes with a mortgage28%
Top county hazardEarthquake (Relatively Low)
Active NFIP policies in Monroe County128
Home insurance premium$1,870 - statewide average (NAIC, 2023 data)
Key home insurance figures for Roe, AR

Nearby towns

Sources

Data last updated: 2026-09-29