Home Insurance in Bearden, Arkansas
Homes in Bearden carry a median value of $74,600 - 27% lower than the Ouachita County median.
The typical home in Bearden was built around 1978. About 32% of homes were built before 1960, about 2 points above Ouachita County's 30%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bearden is 74% single-family homes, 8% apartments in buildings with 5+ units and 15% mobile or manufactured homes.
About 29% of owner-occupied homes in Bearden have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 36%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Bearden are owner-occupied.
53% of homes in Bearden are primarily heated with natural gas.
Ouachita County had 46 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full Ouachita County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Arkansas carries a statewide average premium of $1,870 per year.
Key figures
| Median home value | $74,600 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Ouachita County | 46 |
| 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)