Home Insurance in Saline County, Arkansas
Homes in Saline County carry a median value of $221,200 - 18% higher than the Arkansas median.
The typical home in Saline County was built around 1997. About 7% of homes were built before 1960, about 6 points below Arkansas's 13%. 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 Saline County is 76% single-family homes, 6% apartments in buildings with 5+ units and 15% mobile or manufactured homes.
60% of owner-occupied homes in Saline County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Saline County has an owner-occupancy rate of 78% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
57% of homes in Saline County are primarily heated with electricity.
FEMA's National Risk Index lists earthquake (Relatively Low), tornado (Relatively Moderate) and hail (Relatively Moderate) as the leading hazards for Saline County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Saline County has 234 active NFIP flood policies on file.
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 | $221,200 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Tornado (Relatively Moderate), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 234 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)