Home Insurance in Hardy, Arkansas
With a median home value of $58,600, Hardy is 44% lower than the Sharp County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hardy was built around 1973. About 21% of homes were built before 1960, about 13 points above Sharp County's 8%.
In Hardy, the housing stock is 82% single-family homes, 4% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
53% of owner-occupied homes in Hardy carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 70% of occupied homes in Hardy are owner-occupied. The vacancy rate is 44%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Hardy - 59% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Sharp County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Sharp County had 57 active NFIP flood policies as of September 2026. See the full Sharp County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
In Arkansas, the statewide average premium for a standard HO-3 homeowners policy is $1,870 per year (NAIC, 2023 data).
Key figures
| Median home value | $58,600 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Sharp County | 57 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Nearby towns
- Highland
- Cherokee Village
- Williford
- Ash Flat
- Mammoth Spring
- Ravenden
- Ravenden Springs
- Horseshoe Bend
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)