Home Insurance in Vandervoort, Arkansas
Homes in Vandervoort carry a median value of $110,000 - 21% lower than the Polk County median.
The typical home in Vandervoort was built around 1974. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 33% of homes were built before 1960, about 15 points above Polk County's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Vandervoort is 79% single-family homes and 21% mobile or manufactured homes.
In Vandervoort, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Vandervoort has an owner-occupancy rate of 95% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
56% of homes in Vandervoort are primarily heated with electricity.
FEMA rates Polk County's overall risk as Relatively Low, led by wildfire (Relatively Low). Polk County had 15 active NFIP flood policies as of September 2026. See the full Polk County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Arkansas is $1,870 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $110,000 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)