HomeInsuranceQts

Home Insurance in Pocahontas, Arkansas

Homes in Pocahontas carry a median value of $120,000 - 8% 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 Pocahontas was built around 1975. About 15% of homes were built before 1960, about 3 points above Randolph County's 12%.

The housing stock in Pocahontas is 78% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.

45% of owner-occupied homes in Pocahontas carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Pocahontas has an owner-occupancy rate of 59% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.

In Pocahontas, 61% of homes are primarily heated with natural gas.

FEMA rates Randolph County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). 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.

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$120,000
Median year built1975
Owner-occupied share59%
Share of owner-occupied homes with a mortgage45%
Top county hazardEarthquake (Relatively Moderate)
Active NFIP policies in Randolph County112
Home insurance premium$1,870 - statewide average (NAIC, 2023 data)
Key home insurance figures for Pocahontas, AR

Nearby towns

Sources

Data last updated: 2026-09-29