Home Insurance in Pulaski County, Arkansas
Homes in Pulaski County carry a median value of $214,700 - 14% higher than the Arkansas median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Pulaski County was built around 1981. About 18% of homes were built before 1960, about 5 points above Arkansas's 13%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pulaski County is 66% single-family homes, 22% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
About 61% of owner-occupied homes in Pulaski County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Pulaski County has an owner-occupancy rate of 57% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
50% of homes in Pulaski County are primarily heated with natural gas.
The top hazards for Pulaski County, per FEMA's National Risk Index, are tornado (Very High), earthquake (Relatively High) and winter weather (Very High). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Pulaski County has 1,812 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $214,700 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Tornado (Very High), Earthquake (Relatively High), Winter Weather (Very High) |
| Active NFIP flood policies (county) | 1,812 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)