Home Insurance in Louann, Arkansas
Homes in Louann carry a median value of $57,100 - 44% lower than the Ouachita County median.
The typical home in Louann was built around 1981. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 23% of homes were built before 1960, about 7 points below Ouachita County's 30%.
The housing stock in Louann is 57% single-family homes and 43% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 31% of owner-occupied homes in Louann have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 41%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 51% of occupied homes in Louann 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 Louann, 49% of homes are primarily heated with electricity.
Ouachita County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $57,100 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 31% |
| 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)