Home Insurance in Montgomery County, Arkansas
Homes in Montgomery County carry a median value of $151,900 - 19% lower than the Arkansas median.
The typical home in Montgomery County was built around 1989. About 16% of homes were built before 1960, about 3 points above Arkansas's 13%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Montgomery County is 65% single-family homes, 2% apartments in buildings with 5+ units and 28% mobile or manufactured homes.
34% of owner-occupied homes in Montgomery County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 32%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Montgomery County are owner-occupied.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Montgomery County, 49% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Montgomery County's top hazards are wildfire (Very Low), tornado (Relatively Low) and inland flooding (Relatively Low).
Montgomery County had 50 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $151,900 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very Low), Tornado (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 50 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
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)