Home Insurance in Calion, Arkansas
With a median home value of $89,400, Calion is 26% lower than the Union County median.
The typical home in Calion was built around 1981. About 22% of homes were built before 1960, in line with Union County (21%). 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 Calion is 53% single-family homes and 46% mobile or manufactured homes.
In Calion, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Calion has an owner-occupancy rate of 86% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
In Calion, 63% of homes are primarily heated with electricity.
Union County had 86 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full Union County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Arkansas carries a statewide average premium of $1,870 per year.
Key figures
| Median home value | $89,400 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Union County | 86 |
| 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)