Home Insurance in Pangburn, Arkansas
Homes in Pangburn carry a median value of $112,500 - 31% lower than the White County median.
The typical home in Pangburn was built around 1981. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 27% of homes were built before 1960, about 18 points 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 Pangburn is 56% single-family homes, 12% apartments in buildings with 5+ units and 24% mobile or manufactured homes.
In Pangburn, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Pangburn has an owner-occupancy rate of 52% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Most homes in Pangburn - 61% - 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.
The statewide average premium for a standard HO-3 homeowners policy in Arkansas is $1,870 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $112,500 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)