Home Insurance in Letona, Arkansas
Homes in Letona carry a median value of $113,900 - 30% lower than the White County median.
The typical home in Letona was built around 1977. About 25% of homes were built before 1960, about 16 points above White County's 9%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Letona, the housing stock is 84% single-family homes, 3% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 54% of owner-occupied homes in Letona have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Letona has an owner-occupancy rate of 76% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
53% of homes in Letona 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.
In Arkansas, the statewide average premium for a standard HO-3 homeowners policy is $1,870 per year (NAIC, 2023 data).
Key figures
| Median home value | $113,900 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)