Home Insurance in Higginson, Arkansas
Homes in Higginson carry a median value of $132,000 - 19% lower than the White 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 Higginson was built around 1989. About 10% of homes were built before 1960, about 1 point above White County's 9%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Higginson is 79% single-family homes, 6% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
In Higginson, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Higginson has an owner-occupancy rate of 68% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
85% of homes in Higginson are primarily heated with electricity.
White County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $132,000 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)