Home Insurance in Johnson, Arkansas
Homes in Johnson carry a median value of $312,900 - close to 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 Johnson was built around 1999. About 0% of homes were built before 1960, about 7 points below Washington County's 7%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Johnson is 64% single-family homes, 20% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
About 85% of owner-occupied homes in Johnson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Johnson has an owner-occupancy rate of 44% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Johnson, 55% of homes are primarily heated with electricity.
Washington County had 652 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). 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 | $312,900 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 85% |
| 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)