Home Insurance in Fisher, Arkansas
The median home value in Fisher is $55,800, 46% lower than the Poinsett County median.
The typical home in Fisher was built around 1977. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 7% of homes were built before 1960, about 8 points below Poinsett County's 15%.
The housing stock in Fisher is 80% 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.
In Fisher, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 95% of occupied homes in Fisher are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Fisher - 64% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Fisher? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Poinsett County and Poinsett County had 92 active NFIP flood policies as of September 2026. See the full Poinsett County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $55,800 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Poinsett County | 92 |
| 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)