Home Insurance in Hazen, Arkansas
With a median home value of $134,400, Hazen is 39% higher than the Prairie County median.
The typical home in Hazen was built around 1976. About 19% of homes were built before 1960, about 6 points above Prairie County's 14%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Hazen is 80% single-family homes, 4% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hazen, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hazen has an owner-occupancy rate of 76% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Hazen, 62% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Hazen? FEMA's National Risk Index points to earthquake (Relatively Low) in Prairie County and 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 home value | $134,400 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)