Home Insurance in Ben Lomond, Arkansas
Homes in Ben Lomond carry a median value of $93,600 - 20% lower than the Sevier County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Ben Lomond was built around 1975. About 18% of homes were built before 1960, about 5 points above Sevier County's 13%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ben Lomond is 72% single-family homes and 28% mobile or manufactured homes.
About 79% of owner-occupied homes in Ben Lomond have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ben Lomond has an owner-occupancy rate of 90% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
In Ben Lomond, 53% of homes are primarily heated with natural gas.
Sevier County had 24 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Sevier 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 | $93,600 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 79% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Sevier County | 24 |
| 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)