Home Insurance in Polk County, Arkansas
With a median home value of $138,400, Polk County is 26% lower than the Arkansas median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Polk County was built around 1986. About 18% of homes were built before 1960, about 5 points above Arkansas's 13%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Polk County is 77% single-family homes, 2% apartments in buildings with 5+ units and 18% mobile or manufactured homes.
About 40% of owner-occupied homes in Polk County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Polk County has an owner-occupancy rate of 79% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Polk County - 59% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Polk County, per FEMA's National Risk Index, are wildfire (Relatively Low), hail (Relatively Moderate) and winter weather (Relatively Moderate).
As of September 2026, Polk County has 15 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $138,400 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 15 |
| 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)