Home Insurance in Harrisburg, Arkansas
The median home value in Harrisburg is $128,100, 24% higher than the Poinsett County median.
The typical home in Harrisburg was built around 1983. About 11% of homes were built before 1960, about 4 points below Poinsett County's 15%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Harrisburg, the housing stock is 60% single-family homes, 12% apartments in buildings with 5+ units and 7% 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 Harrisburg, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Harrisburg has an owner-occupancy rate of 46% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
58% of homes in Harrisburg are primarily heated with electricity.
Poinsett County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $128,100 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)