Home Insurance in Wickes, Arkansas
Homes in Wickes carry a median value of $45,000 - 67% lower than the Polk County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Wickes was built around 1977. About 18% of homes were built before 1960, in line with Polk County (18%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Wickes is 56% single-family homes and 38% mobile or manufactured homes.
26% of owner-occupied homes in Wickes carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Wickes has an owner-occupancy rate of 67% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Wickes, 45% of homes 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 | $45,000 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 26% |
| 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)