Home Insurance in Atkins, Arkansas
Homes in Atkins carry a median value of $124,400 - 27% lower than the Pope County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Atkins was built around 1975. About 25% of homes were built before 1960, about 16 points above Pope County's 9%.
In Atkins, the housing stock is 91% single-family homes, 2% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 56% of owner-occupied homes in Atkins have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 66% of occupied homes in Atkins are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
62% of homes in Atkins are primarily heated with electricity.
FEMA rates Pope County's overall risk as Relatively Low, led by tornado (Relatively High). Pope County had 105 active NFIP flood policies as of September 2026. See the full Pope County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $124,400 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Pope County | 105 |
| 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)