Home Insurance in Poinsett County, Arkansas
With a median home value of $103,000, Poinsett County is 45% lower than the Arkansas median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Poinsett County was built around 1978. About 15% of homes were built before 1960, about 2 points above Arkansas's 13%.
The housing stock in Poinsett County is 75% single-family homes, 3% apartments in buildings with 5+ units and 11% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Poinsett County, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Poinsett County has an owner-occupancy rate of 64% and a vacancy rate of 16%; 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 Poinsett County, 49% of homes are primarily heated with electricity.
FEMA's National Risk Index lists earthquake (Relatively Moderate), tornado (Relatively Moderate) and hail (Relatively Low) as the leading hazards for Poinsett County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Poinsett County had 92 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $103,000 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Tornado (Relatively Moderate), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 92 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)