Home Insurance in Barling, Arkansas
Homes in Barling carry a median value of $140,000 - 21% lower than the Sebastian County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Barling was built around 1988. About 1% of homes were built before 1960, about 20 points below Sebastian County's 21%.
In Barling, the housing stock is 77% single-family homes, 7% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Barling, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Barling has an owner-occupancy rate of 72% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Barling - 65% - are primarily heated with electricity.
FEMA rates Sebastian County's overall risk as Relatively Moderate, led by tornado (Relatively High). Sebastian County had 375 active NFIP flood policies as of September 2026. See the full Sebastian 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 | $140,000 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Sebastian County | 375 |
| 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)