Home Insurance in Ulm, Arkansas
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Ulm was built around 1991. About 34% of homes were built before 1960, about 20 points above Prairie County's 14%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ulm is 64% single-family homes and 36% mobile or manufactured homes.
44% of owner-occupied homes in Ulm carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in Ulm are owner-occupied.
Most homes in Ulm - 55% - are primarily heated with electricity.
What's the biggest home insurance risk near Ulm? 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 year built | 1991 |
|---|---|
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)