HomeInsuranceQts

Home Insurance in Benton, Arkansas

Homes in Benton carry a median value of $212,700 - close to the Saline County median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Benton was built around 1995. About 13% of homes were built before 1960, about 6 points above Saline County's 7%.

Housing in Benton breaks down to 81% single-family homes, 12% apartments in buildings with 5+ units and 3% mobile or manufactured homes.

In Benton, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Benton has an owner-occupancy rate of 68% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.

56% of homes in Benton are primarily heated with natural gas.

FEMA rates Saline County's overall risk as Relatively Low, led by earthquake (Relatively Low). Saline County had 234 active NFIP flood policies as of September 2026. See the full Saline 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$212,700
Median year built1995
Owner-occupied share68%
Share of owner-occupied homes with a mortgage68%
Top county hazardEarthquake (Relatively Low)
Active NFIP policies in Saline County234
Home insurance premium$1,870 - statewide average (NAIC, 2023 data)
Key home insurance figures for Benton, AR

Nearby towns

Sources

Data last updated: 2026-09-29