Home Insurance in Sherwood, Arkansas
Homes in Sherwood carry a median value of $199,500 - 7% lower than the Pulaski County median.
The typical home in Sherwood was built around 1986. About 8% of homes were built before 1960, about 11 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 Sherwood is 79% single-family homes, 11% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
About 69% of owner-occupied homes in Sherwood have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 71% of occupied homes in Sherwood are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Sherwood, 64% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Sherwood? 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 | $199,500 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)