Home Insurance in Colt, Arkansas
With a median home value of $93,800, Colt is close to the St. Francis County median.
The typical home in Colt was built around 1980. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 13% of homes were built before 1960, in line with St. Francis County (13%).
The housing stock in Colt is 51% single-family homes, 15% apartments in buildings with 5+ units and 23% 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.
About 24% of owner-occupied homes in Colt have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 29% of occupied homes in Colt are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Colt - 57% - are primarily heated with electricity.
St. Francis County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. St. Francis County had 94 active NFIP flood policies as of September 2026. See the full St. Francis County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $93,800 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 29% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in St. Francis County | 94 |
| 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)