Home Insurance in Danville, Arkansas
The median home value in Danville is $122,700, 15% lower than the Yell County median.
The typical home in Danville was built around 1983. About 11% of homes were built before 1960, about 4 points below Yell County's 15%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Danville is 68% single-family homes, 24% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
About 40% of owner-occupied homes in Danville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in Danville are owner-occupied.
Most homes in Danville - 58% - are primarily heated with electricity.
What's the biggest home insurance risk near Danville? FEMA's National Risk Index points to tornado (Relatively Moderate) in Yell County and Yell County had 29 active NFIP flood policies as of September 2026. See the full Yell County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Arkansas carries a statewide average premium of $1,870 per year.
Key figures
| Median home value | $122,700 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)