Home Insurance in Perry County, Arkansas
With a median home value of $130,200, Perry County is 31% lower than the Arkansas median.
The typical home in Perry County was built around 1989. About 10% of homes were built before 1960, about 3 points below Arkansas's 13%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Perry County, the housing stock is 73% single-family homes, 1% apartments in buildings with 5+ units and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 37% of owner-occupied homes in Perry County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Perry County has an owner-occupancy rate of 80% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Perry County, 71% of homes are primarily heated with electricity.
FEMA's National Risk Index lists tornado (Relatively Low), earthquake (Very Low) and wildfire (Very Low) as the leading hazards for Perry County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Perry County has 33 active NFIP flood policies on file.
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 | $130,200 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Low), Earthquake (Very Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 33 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
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)