Home Insurance in Smackover, Arkansas
Homes in Smackover carry a median value of $118,600 - close to the Union County median.
The typical home in Smackover was built around 1980. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 26% of homes were built before 1960, about 5 points above Union County's 21%.
The housing stock in Smackover is 72% single-family homes, 1% apartments in buildings with 5+ units and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 48% of owner-occupied homes in Smackover have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Smackover has an owner-occupancy rate of 66% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Smackover - 52% - are primarily heated with electricity.
Union County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Union County had 86 active NFIP flood policies as of September 2026. 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 | $118,600 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)