Home Insurance in Yell County, Arkansas
The median home value in Yell County is $143,600, 24% lower than the Arkansas median.
The typical home in Yell County was built around 1984. About 15% of homes were built before 1960, about 2 points above Arkansas's 13%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Yell County, the housing stock is 74% single-family homes, 6% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Yell County, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Yell County has an owner-occupancy rate of 68% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
66% of homes in Yell County are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists tornado (Relatively Moderate), wildfire (Relatively Low) and earthquake (Relatively Low) as the leading hazards for Yell County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Yell County had 29 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $143,600 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Wildfire (Relatively Low), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 29 |
| Home insurance premium | $1,870 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)