Home Insurance in Elm Springs, Arkansas
The median home value in Elm Springs is $460,100, 54% higher than the Washington County median.
The typical home in Elm Springs was built around 2004. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 6% of homes were built before 1960, about 2 points below Washington County's 7%.
The housing stock in Elm Springs is 96% single-family homes and 3% mobile or manufactured homes.
About 69% of owner-occupied homes in Elm Springs have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Elm Springs has an owner-occupancy rate of 93% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Elm Springs, 69% of homes are primarily heated with natural gas.
Washington County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. 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.
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 | $460,100 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)