Home Insurance in Midland, Arkansas
Homes in Midland carry a median value of $64,300 - 64% lower than the Sebastian County median.
The median home in Midland was built in 1939 or earlier. About 64% of homes were built before 1960, about 43 points above Sebastian County's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Midland is 86% single-family homes and 14% mobile or manufactured homes.
32% of owner-occupied homes in Midland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Midland has an owner-occupancy rate of 42% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Midland, 74% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Midland? FEMA's National Risk Index points to tornado (Relatively High) in Sebastian County and 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 | $64,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 42% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)