Home Insurance in Cotton Plant, Arkansas
With a median home value of $41,100, Cotton Plant is 61% lower than the Woodruff County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Cotton Plant was built around 1975. About 9% of homes were built before 1960, about 1 point below Woodruff County's 10%.
In Cotton Plant, the housing stock is 50% single-family homes, 22% apartments in buildings with 5+ units and 11% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 51% of owner-occupied homes in Cotton Plant have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 34% of occupied homes in Cotton Plant are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Cotton Plant, 80% of homes are primarily heated with electricity.
Woodruff County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. 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 | $41,100 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 34% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)