Home Insurance in Widener, Arkansas
The median home value in Widener is $41,800, 54% lower than the St. Francis County median.
The typical home in Widener was built around 1992. About 22% of homes were built before 1960, about 9 points above St. Francis County's 13%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Widener is 36% single-family homes and 64% mobile or manufactured homes.
About 22% of owner-occupied homes in Widener have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Widener has an owner-occupancy rate of 91% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
57% of homes in Widener are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $41,800 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 22% |
| 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)