Home Insurance in White County, Arkansas
The median home value in White County is $163,600, 13% lower than the Arkansas median.
The typical home in White County was built around 1992. About 9% of homes were built before 1960, about 5 points below Arkansas's 13%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in White County is 68% single-family homes, 7% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In White County, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in White County are owner-occupied.
In White County, 64% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists earthquake (Relatively Moderate), tornado (Relatively High) and strong wind (Relatively High) as the leading hazards for White County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, White County has 161 active NFIP flood policies on file.
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 | $163,600 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Moderate), Tornado (Relatively High), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 161 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
- Bald Knob
- Beebe
- Bradford
- Garner
- Georgetown
- Higginson
- Judsonia
- Kensett
- Letona
- McRae
- Pangburn
- Rose Bud
- Russell
- Searcy
Smaller communities
-
Griffithville
- Median home value: $72,000
- Median year built: 1970
- Owner-occupied share: 85%
-
West Point
- Median home value: $72,200
- Median year built: 1976
- Owner-occupied share: 91%
Sources
- 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)