Home Insurance in Union County, Arkansas
Homes in Union County carry a median value of $120,900 - 36% lower than the Arkansas median.
The typical home in Union County was built around 1979. About 21% of homes were built before 1960, about 8 points above Arkansas's 13%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Union County is 72% single-family homes, 4% apartments in buildings with 5+ units and 20% mobile or manufactured homes.
In Union County, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Union County has an owner-occupancy rate of 73% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
In Union County, 54% of homes are primarily heated with electricity.
FEMA's National Risk Index lists strong wind (Relatively Moderate), earthquake (Relatively Low) and tornado (Relatively Moderate) as the leading hazards for Union County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Union County has 86 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $120,900 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Earthquake (Relatively Low), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 86 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Huttig
- Median home value: $46,200
- Median year built: 1973
- Owner-occupied share: 87%
-
Norphlet
- Median home value: $120,800
- Median year built: 1978
- Owner-occupied share: 74%
Sources
- 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)