Home Insurance in Rose Bud, Arkansas
With a median home value of $151,000, Rose Bud is 8% lower than the White County median.
The typical home in Rose Bud was built around 1992. About 1% of homes were built before 1960, about 7 points below White County's 9%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Rose Bud is 80% single-family homes and 16% mobile or manufactured homes.
54% of owner-occupied homes in Rose Bud carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Rose Bud has an owner-occupancy rate of 79% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 66% of homes in Rose Bud 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 | $151,000 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 79% |
| 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)