Home Insurance in Black Springs, Arkansas
Homes in Black Springs carry a median value of $222,200 - 46% higher than the Montgomery County median.
The typical home in Black Springs was built around 1973. About 15% of homes were built before 1960, in line with Montgomery County (16%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Black Springs, the housing stock is 74% single-family homes and 26% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
17% of owner-occupied homes in Black Springs carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Black Springs has an owner-occupancy rate of 100% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
Most homes in Black Springs - 53% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Montgomery County's overall risk as Very Low, led by wildfire (Very Low). Montgomery County had 50 active NFIP flood policies as of September 2026. See the full Montgomery County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Arkansas, the statewide average premium for a standard HO-3 homeowners policy is $1,870 per year (NAIC, 2023 data).
Key figures
| Median home value | $222,200 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 17% |
| Top county hazard | Wildfire (Very Low) |
| Active NFIP policies in Montgomery County | 50 |
| 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)