Home Insurance in Fredonia (Biscoe), Arkansas
With a median home value of $82,500, Fredonia (Biscoe) is 14% lower than the Prairie County median.
The typical home in Fredonia (Biscoe) was built around 1987. About 29% of homes were built before 1960, about 15 points above Prairie County's 14%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Fredonia (Biscoe) is 58% single-family homes and 42% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 37% of owner-occupied homes in Fredonia (Biscoe) have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 64% of occupied homes in Fredonia (Biscoe) are owner-occupied. The vacancy rate is 48%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Fredonia (Biscoe) - 55% - are primarily heated with natural gas.
Prairie County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. 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.
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 | $82,500 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)