Home Insurance in Elkins, Arkansas
The median home value in Elkins is $212,500, 29% lower than the Washington County median.
The typical home in Elkins was built around 2004. About 3% of homes were built before 1960, about 4 points below Washington County's 7%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Elkins is 87% single-family homes and 3% mobile or manufactured homes.
About 67% of owner-occupied homes in Elkins have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Elkins has an owner-occupancy rate of 85% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Elkins, 51% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Elkins? FEMA's National Risk Index points to winter weather (Very High) in Washington County and Washington County had 652 active NFIP flood policies as of September 2026. See the full Washington County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $212,500 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Washington County | 652 |
| 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)