Home Insurance in Fifty-Six, Arkansas
The median home value in Fifty-Six is $176,800, close to the Stone County median.
The typical home in Fifty-Six was built around 1994. About 3% of homes were built before 1960, about 9 points below Stone County's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Fifty-Six, the housing stock is 74% single-family homes and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 19% of owner-occupied homes in Fifty-Six have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Fifty-Six has an owner-occupancy rate of 91% and a vacancy rate of 30%; unoccupied homes typically need a different coverage form.
In Fifty-Six, 55% of homes 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.
Stone County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Stone County had 4 active NFIP flood policies as of September 2026. See the full Stone 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 | $176,800 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 19% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Stone County | 4 |
| 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)