Home Insurance in Hatfield, Arkansas
Homes in Hatfield carry a median value of $112,500 - 19% lower than the Polk County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Hatfield was built around 1949. About 64% of homes were built before 1960, about 46 points above Polk County's 18%.
The housing stock in Hatfield is 80% single-family homes, 4% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hatfield, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hatfield has an owner-occupancy rate of 30% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
82% of homes in Hatfield are primarily heated with natural gas.
Polk County had 15 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Polk County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $112,500 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 30% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Polk County | 15 |
| 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)