Home Insurance in Huntington, Arkansas
With a median home value of $45,600, Huntington is 74% lower than the Sebastian 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 Huntington was built around 1974. About 33% of homes were built before 1960, about 12 points above Sebastian County's 21%.
In Huntington, the housing stock is 65% single-family homes, 2% apartments in buildings with 5+ units and 26% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 33% of owner-occupied homes in Huntington have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in Huntington are owner-occupied.
55% of homes in Huntington 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.
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 | $45,600 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)