Homeowners Insurance in Jonesboro, AR
For a home at Jonesboro's median value of $223,200, we estimate about $2,035 a year — +9% versus the Arkansas NAIC average of $1,870.
Estimated homeowners insurance cost in Jonesboro
Jonesboro's estimate reflects its home values (19% higher than the state median) and FEMA's hazard profile for Craighead County.
Natural hazard risk in Jonesboro
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 67.4 | Comprehensive (car); roof claims (home) | |
| Tornado | 97.7 | Comprehensive; dwelling | |
| Hurricane | 56.8 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 78.8 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 75.0 | Comprehensive; dwelling | |
| Winter weather | 91.0 | Collision (icy roads); frozen pipes (home) | |
| Wildfire | 43.8 | Comprehensive; dwelling | |
| Earthquake | 97.8 | Home needs a separate earthquake policy | |
| Lightning | 84.8 | 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 Jonesboro
| Dwelling value | Wood frame | Brick / masonry |
|---|---|---|
| $200,000 | $1,865 | $1,715 |
| $300,000 | $2,580 | $2,370 |
| $500,000 | $3,880 | $3,570 |
| $750,000 | $5,365 | $4,940 |
Home Insurance Estimator
Homeowners insurance by ZIP code in Jonesboro
| ZIP | Median home value | Owner-occupied | Est. premium |
|---|---|---|---|
| 72401 | $188,600 | 48.9% | $1,780 |
| 72404 | $247,100 | 63.7% | $2,210 |
| 72405 | $259,900 | 72.9% | $2,300 |
Homeowners insurance in Arkansas · Car insurance in Jonesboro · Insurance offices near Jonesboro
Frequently asked questions
How much is homeowners insurance in Jonesboro?
For a home at Jonesboro's median value of $223,200, we estimate about $2,035 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 Jonesboro?
FEMA's National Risk Index rates Craighead County relatively high or very high for tornado, winter weather, and lightning.
Does the age of homes in Jonesboro affect insurance?
Yes. The median home in Jonesboro was built in 1991 (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 Craighead County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023 (July 2026), Tables 4 and 5 (HO-3 and HO-4 average premiums)
- FEMA National Risk Index (Craighead County)
- U.S. Census Bureau, American Community Survey (home values, year built, tenure)