Home Insurance in Havana, Arkansas
The median home value in Havana is $81,900, 43% lower than the Yell County median.
The typical home in Havana was built around 1972. About 23% of homes were built before 1960, about 8 points above Yell County's 15%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Havana is 76% single-family homes and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
39% of owner-occupied homes in Havana carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Havana has an owner-occupancy rate of 84% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
In Havana, 61% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Havana? 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 | $81,900 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)