Home Insurance in Pottsville, Arkansas
Homes in Pottsville carry a median value of $171,600 - close to the Pope County median.
The typical home in Pottsville was built around 2002. About 2% of homes were built before 1960, about 7 points below Pope County's 9%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Pottsville is 86% single-family homes and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
61% of owner-occupied homes in Pottsville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Pottsville are owner-occupied.
Most homes in Pottsville - 84% - are primarily heated with electricity.
Pope County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. 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.
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 | $171,600 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)