Home Insurance in Lincoln, Arkansas
The median home value in Lincoln is $168,900, 43% lower than the Washington County median.
The typical home in Lincoln was built around 1979. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 21% of homes were built before 1960, about 13 points above 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 Lincoln is 87% single-family homes and 4% mobile or manufactured homes.
About 47% of owner-occupied homes in Lincoln have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lincoln has an owner-occupancy rate of 60% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Lincoln - 55% - are primarily heated with natural gas.
FEMA rates Washington County's overall risk as Relatively Moderate, led by winter weather (Very High). 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 | $168,900 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)