Home Insurance in De Queen, Arkansas
Homes in De Queen carry a median value of $109,600 - 7% lower than the Sevier County median.
The typical home in De Queen was built around 1974. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 10% of homes were built before 1960, about 3 points below Sevier County's 13%.
The housing stock in De Queen is 64% single-family homes, 4% apartments in buildings with 5+ units and 21% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In De Queen, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 47% of occupied homes in De Queen are owner-occupied.
In De Queen, 66% of homes are primarily heated with electricity.
Sevier County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Sevier County had 24 active NFIP flood policies as of September 2026. See the full Sevier 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 | $109,600 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)