Home Insurance in McRae, Arkansas
Homes in McRae carry a median value of $99,400 - 39% lower than the White County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in McRae was built around 1978. About 16% of homes were built before 1960, about 8 points above White County's 9%.
The housing stock in McRae is 53% single-family homes, 16% apartments in buildings with 5+ units and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
53% of owner-occupied homes in McRae carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
McRae has an owner-occupancy rate of 61% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in McRae - 57% - are primarily heated with electricity.
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 home value | $99,400 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)