Home Insurance in St. Joe, Arkansas
The median home value in St. Joe is $67,100, 39% lower than the Searcy 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 St. Joe was built around 1991. About 32% of homes were built before 1960, about 12 points above Searcy County's 20%.
In St. Joe, the housing stock is 76% single-family homes and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 25% of owner-occupied homes in St. Joe have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 76% of occupied homes in St. Joe are owner-occupied. The vacancy rate is 44%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In St. Joe, 38% of homes are primarily heated with propane.
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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Arkansas carries a statewide average premium of $1,870 per year.
Key figures
| Median home value | $67,100 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 25% |
| 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)