Home Insurance in Houston, Arkansas
The median home value in Houston is $85,000, 35% lower than the Perry County median.
The typical home in Houston was built around 1973. About 40% of homes were built before 1960, about 30 points above Perry County's 10%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Houston, the housing stock is 83% single-family homes and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
32% of owner-occupied homes in Houston carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Houston are owner-occupied.
82% of homes in Houston are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Perry County had 33 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Low). See the full Perry 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 | $85,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top county hazard | Tornado (Relatively Low) |
| Active NFIP policies in Perry County | 33 |
| 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)