Springdale, AR
Rental property insurance for Springdale landlords
Coverage for rental homes and 2–4 unit buildings in Springdale, with local Census housing data. A quote is not a binder.
Springdale is home to roughly 89,368 people in Washington County, and about 47% of its 29,624 occupied homes are rented rather than owner-occupied, above the Arkansas rate of 34%. That mix shapes who is buying landlord coverage here and what underwriters expect to see.
Census snapshot: Springdale housing
| Measure | Springdale | Arkansas |
|---|---|---|
| Renter-occupied homes | 47% (13,803) | 34% |
| Median owner-occupied home value | $261,800 | $188,000 |
| Median gross rent | $1,071/mo | $947/mo |
| Median year structure built | 1994 | 1987 |
| Homes in 2–4 unit buildings | 12% | 6% |
| Single-family homes (detached or attached) | 71% | 72% |
Figures from the U.S. Census Bureau (ACS 2020–2024 five-year estimates; 2024 population estimates).
Setting coverage on a Springdale rental
At a median home value of $261,800, Springdale is higher than Arkansas overall ($188,000). Underwriters care about replacement cost rather than sale price, so bring square footage, construction type, and update history to the conversation.
If your rental is insured somewhere around Springdale's median, the closest NAIC benchmark is the $250,000–$274,999 band, where the 2023 Arkansas dwelling-fire average was $1,031. The all-amounts state figure was $571.
Fair rental value coverage for Springdale units
The Census median gross rent for Springdale, $1,071 per month, is a reasonable starting point for fair rental value. At that rate, 12 months is about $12,852 per unit.
How old Springdale's housing is, and why it matters
Springdale's median home dates to about 1994. Systems are often on their first or second replacement, so roof age and water heater age carry a lot of weight in pricing.
Types of rental property in Springdale
Small multi-family buildings are a real part of Springdale's housing at roughly 12% of units. If you own a duplex, triplex, or fourplex here, read our guide to 2–4 unit buildings.
Springdale next to other Arkansas rental cities
For comparison, Fayetteville comes in at 58% rented and $349,600 median value, with median rent of $1,065. In Little Rock, 46% of occupied homes are rented and the median value is $236,400. For comparison, Fort Smith comes in at 47% rented and $178,100 median value, with median rent of $884. By renter share, Springdale is number 8 on our list of 20 Arkansas cities. Roughly 16% of homes in Springdale are in buildings of five or more units, the point where most owners move to commercial apartment policies.
Weather and property risks for Springdale rentals
For rentals in Springdale, the hazards that most often shape Arkansas landlord coverage include tornadoes and straight-line wind and large hail. Ask how your policy handles each, and whether any separate deductible applies.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
Requesting coverage for a Springdale rental
- Prior carrier, expiration date, and five-year loss history
- Who holds the loan, for the mortgagee clause
- How much liability and lost rent you want covered
- Street address in Springdale and number of units
- Construction year plus the age of the roof
- Occupancy: long-term lease, month-to-month, short-term, or vacant
- Any system updates, with years
Request a Springdale landlord quote
Springdale landlord insurance questions
How many renters live in Springdale?
About 47% of occupied homes in Springdale, roughly 13,803 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Springdale?
Not by statute. In practice, a Springdale rental with a mortgage will need property coverage, and associations or managers often insist on liability limits.
How much does landlord insurance cost in Springdale?
It depends on the building, coverage, and deductible. For background, the NAIC reported a 2023 Arkansas dwelling-fire average of $571; see our Arkansas page for the full table.
Other Arkansas cities
Landlord insurance in Arkansas · Cost by state
Last updated October 15, 2026. Sources and method: how we research.