Texarkana, AR
Rental property insurance for Texarkana landlords
What Texarkana landlords should know before insuring a rental. A quote is not a binder.
Texarkana is home to roughly 28,897 people in Miller County, and about 45% of its 11,333 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.
Texarkana rental housing by the numbers
| Measure | Texarkana | Arkansas |
|---|---|---|
| Renter-occupied homes | 45% (5,139) | 34% |
| Median owner-occupied home value | $170,200 | $188,000 |
| Median gross rent | $909/mo | $947/mo |
| Median year structure built | 1979 | 1987 |
| Homes in 2–4 unit buildings | 11% | 6% |
| Single-family homes (detached or attached) | 70% | 72% |
Figures from the U.S. Census Bureau (ACS 2020–2024 five-year estimates; 2024 population estimates).
What home values in Texarkana mean for your dwelling limit
Texarkana's median home value, roughly $170,200, gives a rough sense of what rentals here are worth; the state median is $188,000. For insurance, ask for a replacement-cost estimate on your specific building.
If your rental is insured somewhere around Texarkana's median, the closest NAIC benchmark is the $150,000–$199,999 band, where the 2023 Arkansas dwelling-fire average was $899. The all-amounts state figure was $571.
How much rent to protect in Texarkana
The Census median gross rent for Texarkana, $909 per month, is a reasonable starting point for fair rental value. At that rate, 12 months is about $10,908 per unit.
Construction era of Texarkana rentals
The median Texarkana home was built around 1979. Rentals from that era may still have original panels, aging supply lines, or roofs on a second or third replacement, which are the details underwriters ask about first.
Types of rental property in Texarkana
Two-to-four-unit buildings make up about 11% of Texarkana's housing, well above many places. Duplexes and fourplexes can usually stay on dwelling forms; see our duplex and fourplex guide for shared-area and per-unit rent questions.
Texarkana versus other large Arkansas communities
For comparison, Little Rock comes in at 46% rented and $236,400 median value, with median rent of $1,106. Nearby Fayetteville reports 58% renter households and a $349,600 median home value, so proportionally more renters than Texarkana. For comparison, Fort Smith comes in at 47% rented and $178,100 median value, with median rent of $884. By renter share, Texarkana is number 11 on our list of 20 Arkansas cities. Manufactured and mobile homes make up about 5% of Texarkana's housing, and many dwelling programs underwrite those separately. Buildings with five or more units hold about 13% of Texarkana's homes; those generally need commercial apartment coverage rather than dwelling forms.
Texarkana weather exposures that affect landlord claims
For rentals in Texarkana, the hazards that most often shape Arkansas landlord coverage include river and flash flooding, which requires separate flood coverage and tornadoes and straight-line wind. 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.
Your Texarkana quote checklist
- Liability limit and months of rent to protect
- The Texarkana address and how many units it has
- Construction year plus the age of the roof
- How it is occupied today, including any vacancy or short-term use
- Electrical, plumbing, and heating update years
- Your existing policy and recent claims
- Lender name for the mortgagee clause
Request a Texarkana landlord quote
Texarkana landlord insurance questions
How many renters live in Texarkana?
About 45% of occupied homes in Texarkana, roughly 5,139 households, are renter-occupied according to the 2020–2024 American Community Survey.
Do Texarkana landlords have to carry insurance?
No Arkansas law mandates it for Texarkana owners, though lenders, HOAs, and property managers commonly require it.
What is a typical landlord premium in Texarkana?
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.
More landlord pages near Texarkana
Landlord insurance in Arkansas · Cost by state
Last updated October 15, 2026. Sources and method: how we research.