HomeInsuranceQts

Home Insurance in Georgetown, Arkansas

The typical home in Georgetown was built around 1974. About 34% of homes were built before 1960, about 26 points above White County's 9%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Georgetown is 59% single-family homes and 41% mobile or manufactured homes.

13% of owner-occupied homes in Georgetown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

The vacancy rate is 48%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Georgetown are owner-occupied.

In Georgetown, 67% of homes are primarily heated with natural gas.

FEMA rates White County's overall risk as Relatively Moderate, led by earthquake (Relatively Moderate). White County had 161 active NFIP flood policies as of September 2026. 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.

In Arkansas, the statewide average premium for a standard HO-3 homeowners policy is $1,870 per year (NAIC, 2023 data).

Key figures

Median year built1974
Owner-occupied share100%
Share of owner-occupied homes with a mortgage13%
Top county hazardEarthquake (Relatively Moderate)
Active NFIP policies in White County161
Home insurance premium$1,870 - statewide average (NAIC, 2023 data)
Key home insurance figures for Georgetown, AR

Nearby towns

Sources

Data last updated: 2026-09-29