Home Insurance in Sebastian County, Arkansas
With a median home value of $176,200, Sebastian County is 6% lower than the Arkansas median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Sebastian County was built around 1981. About 21% of homes were built before 1960, about 8 points above Arkansas's 13%.
The housing stock in Sebastian County is 73% single-family homes, 12% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 53% of owner-occupied homes in Sebastian County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Sebastian County has an owner-occupancy rate of 61% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Sebastian County, 52% of homes are primarily heated with electricity.
The top hazards for Sebastian County, per FEMA's National Risk Index, are tornado (Relatively High), winter weather (Relatively High) and wildfire (Relatively Moderate).
Sebastian County had 375 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $176,200 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Winter Weather (Relatively High), Wildfire (Relatively Moderate) |
| Active NFIP flood policies (county) | 375 |
| 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)