Home Insurance in Maynard, Arkansas
The median home value in Maynard is $90,000, 31% lower than the Randolph County median.
The typical home in Maynard was built around 1978. About 22% of homes were built before 1960, about 10 points above Randolph County's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Maynard, the housing stock is 76% single-family homes, 6% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 43% of owner-occupied homes in Maynard have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Maynard are owner-occupied.
Most homes in Maynard - 52% - are primarily heated with propane. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Randolph County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Randolph County had 112 active NFIP flood policies as of September 2026. See the full Randolph 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 | $90,000 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Randolph County | 112 |
| 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)