Homeowners Insurance in Rogers, AR

For a home at Rogers's median value of $308,200, we estimate about $2,775 a year — +48% 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 Rogers

Est. premium

$2,775

$231/mo · median home

Median home value

$308,200

Arkansas: $188,000

Median year built

1998

Census ACS

Owner-occupied

57.2%

of households

Hazard score

85.4

state ref. 85.6

Rogers's estimate reflects its home values (64% higher than the state median) and FEMA's hazard profile for Benton County.

Natural hazard risk in Rogers

FEMA National Risk Index — Benton County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Moderate	82.4	Comprehensive (car); roof claims (home)
Tornado	Relatively Moderate	79.6	Comprehensive; dwelling
Hurricane	Very Low	52.4	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively Moderate	90.4	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively High	93.3	Comprehensive; dwelling
Winter weather	Relatively High	96.2	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Moderate	92.8	Comprehensive; dwelling
Earthquake	Relatively Low	86.8	Home needs a separate earthquake policy
Lightning	Relatively High	94.6	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 Rogers

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,965	$1,805
$300,000	$2,715	$2,495
$500,000	$4,085	$3,760
$750,000	$5,650	$5,200

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in Rogers

ZIP	Median home value	Owner-occupied	Est. premium
72758	$407,600	58.6%	$3,470
72756	$269,200	62.7%	$2,490

Homeowners insurance in Arkansas · Car insurance in Rogers · Insurance offices near Rogers

Frequently asked questions

How much is homeowners insurance in Rogers?

For a home at Rogers's median value of $308,200, we estimate about $2,775 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 Rogers?

FEMA's National Risk Index rates Benton County relatively high or very high for strong wind, winter weather, and lightning.

Does the age of homes in Rogers affect insurance?

Yes. The median home in Rogers was built in 1998 (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 Benton County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page