Home Insurance in Chidester, Arkansas
Homes in Chidester carry a median value of $68,800 - 33% lower than the Ouachita County median.
The typical home in Chidester was built around 1980. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 30% of homes were built before 1960, in line with Ouachita County (30%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Chidester is 68% single-family homes, 12% apartments in buildings with 5+ units and 20% mobile or manufactured homes.
13% of owner-occupied homes in Chidester carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Chidester are owner-occupied.
In Chidester, 66% of homes are primarily heated with natural gas.
FEMA rates Ouachita County's overall risk as Relatively Low, led by strong wind (Relatively Moderate). Ouachita County had 46 active NFIP flood policies as of September 2026. See the full Ouachita County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Arkansas is $1,870 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $68,800 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 13% |
| 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)