Home Insurance in Emmet, Arkansas
Homes in Emmet carry a median value of $86,900 - close to the Nevada County median.
The typical home in Emmet was built around 1977. About 37% of homes were built before 1960, about 19 points above Nevada County's 18%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Emmet is 60% single-family homes and 26% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 34% of owner-occupied homes in Emmet have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Emmet has an owner-occupancy rate of 78% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
50% of homes in Emmet are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Nevada County had 6 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). 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 home value | $86,900 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)