Home Insurance in De Valls Bluff, Arkansas
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in De Valls Bluff was built around 1975. About 29% of homes were built before 1960, about 15 points above Prairie County's 14%.
The housing stock in De Valls Bluff is 66% single-family homes, 17% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In De Valls Bluff, about 6% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 53% of occupied homes in De Valls Bluff are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in De Valls Bluff - 62% - are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Prairie County's overall risk as Very Low, led by earthquake (Relatively Low). Prairie County had 41 active NFIP flood policies as of September 2026. See the full Prairie County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
In Arkansas, the statewide average premium for a standard HO-3 homeowners policy is $1,870 per year (NAIC, 2023 data).
Key figures
| Median year built | 1975 |
|---|---|
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 6% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Prairie County | 41 |
| 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)