Home Insurance in Washington County, Arkansas
With a median home value of $298,400, Washington County is 59% higher than the Arkansas median.
The typical home in Washington County was built around 1995. About 7% of homes were built before 1960, about 6 points below Arkansas's 13%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Washington County, the housing stock is 67% single-family homes, 21% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 62% of owner-occupied homes in Washington County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 56% of occupied homes in Washington County are owner-occupied.
In Washington County, 48% of homes are primarily heated with electricity.
FEMA's National Risk Index lists winter weather (Very High), tornado (Relatively High) and hail (Relatively High) as the leading hazards for Washington County.
As of September 2026, Washington County has 652 active NFIP flood insurance policies. 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 | $298,400 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Tornado (Relatively High), Hail (Relatively High) |
| Active NFIP flood policies (county) | 652 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
- Elkins
- Elm Springs
- Farmington
- Fayetteville
- Goshen
- Greenland
- Johnson
- Lincoln
- Prairie Grove
- Springdale
- Tontitown
- West Fork
- Winslow
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)