Home Insurance in Ola, Arkansas
Homes in Ola carry a median value of $61,600 - 57% lower than the Yell County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Ola was built around 1978. About 13% of homes were built before 1960, about 2 points below Yell County's 15%.
In Ola, the housing stock is 51% single-family homes, 18% apartments in buildings with 5+ units and 19% 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.
In Ola, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ola has an owner-occupancy rate of 37% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
In Ola, 48% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Ola? 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.
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 | $61,600 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 37% |
| Share of owner-occupied homes with a mortgage | 29% |
| 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)