Home Insurance in O'Kean, Arkansas
With a median home value of $76,000, O'Kean is 42% lower than the Randolph County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in O'Kean was built around 1974. About 6% of homes were built before 1960, about 6 points below Randolph County's 12%.
The housing stock in O'Kean is 85% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 49% of owner-occupied homes in O'Kean have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
O'Kean has an owner-occupancy rate of 91% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
62% of homes in O'Kean are primarily heated with natural gas.
Randolph County had 112 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). 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 | $76,000 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)