Home Insurance in Oden, Arkansas
With a median home value of $108,300, Oden is 29% lower than the Montgomery County median.
The typical home in Oden was built around 1982. About 35% of homes were built before 1960, about 18 points above Montgomery County's 16%. 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 Oden is 67% single-family homes and 32% mobile or manufactured homes.
31% of owner-occupied homes in Oden carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 57% of occupied homes in Oden are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Oden, 29% of homes are primarily heated with propane.
Montgomery County's top FEMA-rated hazard is wildfire (Very Low), per FEMA's National Risk Index. 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 | $108,300 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 31% |
| 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)