Home Insurance in Bradford, Arkansas
The median home value in Bradford is $89,600, 45% lower than the White County median.
The typical home in Bradford was built around 1979. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 26% of homes were built before 1960, about 17 points above White County's 9%.
The housing stock in Bradford is 65% single-family homes, 7% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 49% of owner-occupied homes in Bradford have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bradford has an owner-occupancy rate of 57% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Most homes in Bradford - 62% - are primarily heated with electricity.
White County had 161 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). See the full White County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $89,600 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in White County | 161 |
| 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)