Home Insurance in Cale, Arkansas
The typical home in Cale was built around 1977. About 20% of homes were built before 1960, about 3 points above Nevada County's 18%. 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 Cale is 75% single-family homes and 25% mobile or manufactured homes.
In Cale, about 3% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 36%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Cale are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Cale, 53% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Cale? FEMA's National Risk Index points to hail (Relatively Low) in Nevada County and Nevada County had 6 active NFIP flood policies as of September 2026. See the full Nevada 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 year built | 1977 |
|---|---|
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 3% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Nevada County | 6 |
| 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)