Home Insurance in Van Buren County, Arkansas
The median home value in Van Buren County is $135,700, 28% lower than the Arkansas median.
The typical home in Van Buren County was built around 1986. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 10% of homes were built before 1960, about 4 points below Arkansas's 13%.
In Van Buren County, the housing stock is 71% single-family homes, 5% apartments in buildings with 5+ units and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 43% of owner-occupied homes in Van Buren County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Van Buren County has an owner-occupancy rate of 78% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Van Buren County, 59% of homes are primarily heated with electricity.
The top hazards for Van Buren County, per FEMA's National Risk Index, are tornado (Relatively Moderate), earthquake (Relatively Low) and wildfire (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Van Buren County had 27 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $135,700 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Earthquake (Relatively Low), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 27 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
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)