Home Insurance in Belleville, Arkansas
Homes in Belleville carry a median value of $105,400 - 27% lower than the Yell County median.
The typical home in Belleville was built around 1971. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 42% of homes were built before 1960, about 27 points above Yell County's 15%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Belleville is 84% single-family homes and 16% mobile or manufactured homes.
44% of owner-occupied homes in Belleville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 51% of occupied homes in Belleville are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Belleville - 56% - are primarily heated with natural gas.
Yell County had 29 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Yell County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $105,400 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Yell County | 29 |
| 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)