Homeowners Insurance in Fort Smith, AR

For a home at Fort Smith's median value of $178,100, we estimate about $1,720 a year — −8% versus the Arkansas NAIC average of $1,870.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Fort Smith

Est. premium

$1,720

$143/mo · median home

Median home value

$178,100

Arkansas: $188,000

Median year built

1977

Census ACS

Owner-occupied

53.4%

of households

Hazard score

79.1

state ref. 85.6

Fort Smith's estimate reflects its home values (5% lower than the state median) and FEMA's hazard profile for Sebastian County.

Natural hazard risk in Fort Smith

FEMA National Risk Index — Sebastian County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Low	65.6	Comprehensive (car); roof claims (home)
Tornado	Relatively High	94.2	Comprehensive; dwelling
Hurricane	Very Low	49.4	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively Moderate	86.1	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Moderate	56.0	Comprehensive; dwelling
Winter weather	Relatively High	91.9	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Moderate	90.4	Comprehensive; dwelling
Earthquake	Relatively Low	85.1	Home needs a separate earthquake policy
Lightning	Relatively High	93.2	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Fort Smith

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,890	$1,740
$300,000	$2,615	$2,405
$500,000	$3,930	$3,615
$750,000	$5,440	$5,005

Home Insurance Estimator

Estimated annual premium

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Homeowners insurance by ZIP code in Fort Smith

ZIP	Median home value	Owner-occupied	Est. premium
72903	$235,900	52.8%	$2,155
72904	$111,500	53.1%	$1,185
72901	$118,100	43.3%	$1,240
72908	$197,000	65.6%	$1,865
72916	$263,700	71.3%	$2,355
72923	$140,000	73.7%	$1,420

Homeowners insurance in Arkansas · Car insurance in Fort Smith · Insurance offices near Fort Smith

Frequently asked questions

How much is homeowners insurance in Fort Smith?

For a home at Fort Smith's median value of $178,100, we estimate about $1,720 a year for a standard HO-3 policy with a $1,000 deductible. The Arkansas NAIC average is $1,870.

What are the biggest natural hazards in Fort Smith?

FEMA's National Risk Index rates Sebastian County relatively high or very high for tornado, winter weather, and lightning.

Does the age of homes in Fort Smith affect insurance?

Yes. The median home in Fort Smith was built in 1977 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for Arkansas, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Sebastian County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page