Home Insurance in Wheatley, Arkansas
With a median home value of $170,800, Wheatley is 88% higher than the St. Francis County median.
The typical home in Wheatley was built around 1970. About 16% of homes were built before 1960, about 3 points above St. Francis County's 13%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Wheatley, the housing stock is 87% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 13% of owner-occupied homes in Wheatley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Wheatley has an owner-occupancy rate of 76% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
50% of homes in Wheatley are primarily heated with electricity.
FEMA rates St. Francis County's overall risk as Relatively Low, led by tornado (Relatively High). 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.
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 | $170,800 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 13% |
| 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)