Home Insurance in Helena-West Helena, Arkansas
With a median home value of $73,200, Helena-West Helena is 6% lower than the Phillips County median.
The typical home in Helena-West Helena was built around 1972. About 19% of homes were built before 1960, about 2 points below Phillips County's 21%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Helena-West Helena, the housing stock is 71% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Helena-West Helena, about 33% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Helena-West Helena has an owner-occupancy rate of 42% and a vacancy rate of 32%; unoccupied homes typically need a different coverage form.
Most homes in Helena-West Helena - 59% - are primarily heated with natural gas.
Phillips County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Phillips County had 135 active NFIP flood policies as of September 2026. See the full Phillips County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $73,200 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 42% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Phillips County | 135 |
| 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)