Home Insurance in Marshall, Arkansas
With a median home value of $99,700, Marshall is 9% lower than the Searcy County median.
The typical home in Marshall was built around 1971. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 30% of homes were built before 1960, about 10 points above Searcy County's 20%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Marshall is 68% single-family homes, 9% apartments in buildings with 5+ units and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 39% of owner-occupied homes in Marshall have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 51% of occupied homes in Marshall are owner-occupied.
73% of homes in Marshall are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Searcy County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Searcy County has no active NFIP flood policies on file. See the full Searcy County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $99,700 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Wildfire (Relatively Low) |
| 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)