Home Insurance in Goshen, Arkansas
Homes in Goshen carry a median value of $670,200 - 125% higher than the Washington County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Goshen was built around 2010. About 5% of homes were built before 1960, about 2 points below Washington County's 7%.
Housing in Goshen breaks down to 98% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Goshen, about 78% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 96% of occupied homes in Goshen are owner-occupied.
Most homes in Goshen - 57% - 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 | $670,200 |
|---|---|
| Median year built | 2010 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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)