Home Insurance in Williford, Arkansas
Homes in Williford carry a median value of $26,300 - 75% lower than the Sharp County median.
The typical home in Williford was built around 1973. About 27% of homes were built before 1960, about 19 points above Sharp County's 8%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Williford, the housing stock is 75% single-family homes, 7% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Williford, about 13% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 86% of occupied homes in Williford are owner-occupied. The vacancy rate is 38%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Williford - 57% - are primarily heated with electricity.
What's the biggest home insurance risk near Williford? FEMA's National Risk Index points to earthquake (Relatively Low) in Sharp County and 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 | $26,300 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 13% |
| 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
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)