Home Insurance in Augusta, Arkansas
The median home value in Augusta is $117,000, 10% higher than the Woodruff County median.
The typical home in Augusta was built around 1977. About 9% of homes were built before 1960, in line with Woodruff County (10%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Augusta breaks down to 86% single-family homes, 2% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Augusta, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 64% of occupied homes in Augusta are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Augusta, 61% of homes are primarily heated with natural gas.
FEMA rates Woodruff County's overall risk as Very Low, led by earthquake (Relatively Low). Woodruff County had 33 active NFIP flood policies as of September 2026. See the full Woodruff 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 | $117,000 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Woodruff County | 33 |
| 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)