Home Insurance in Jacksonville, Arkansas
The median home value in Jacksonville is $163,400, 24% lower than the Pulaski County median.
The typical home in Jacksonville was built around 1979. About 16% of homes were built before 1960, about 2 points below Pulaski County's 18%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jacksonville is 70% single-family homes, 13% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Jacksonville, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 50% of occupied homes in Jacksonville are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Jacksonville, 51% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Jacksonville? FEMA's National Risk Index points to tornado (Very High) in Pulaski County and Pulaski County had 1,812 active NFIP flood policies as of September 2026. See the full Pulaski County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Arkansas is $1,870 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $163,400 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Pulaski County | 1,812 |
| 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)