Home Insurance in Hackett, Arkansas
With a median home value of $136,700, Hackett is 22% 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 Hackett was built around 1990. About 9% of homes were built before 1960, about 12 points below Sebastian County's 21%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hackett is 58% single-family homes, 1% apartments in buildings with 5+ units and 15% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Hackett, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hackett has an owner-occupancy rate of 53% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Hackett, 79% of homes are primarily heated with electricity.
Sebastian County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. 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.
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 | $136,700 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)