Home Insurance in Rogers

Get the low-down on home insurance in Rogers.
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From Railroads to Walmarts: A Look at Rogers

Located in the Ozark mountains, Rogers was first settled during the 1830s. The construction of the  St. Louis“San Francisco Railway led to the city's incorporation in 1881 and kicked off its economic development.

Today, Rogers is part of the Northwest Arkansas metropolitan area. The area is home to Walmart's corporate offices. Sam Walton also opened the first Walmart store in Rogers in 1962.

Demographic and Economic Statistics

The U.S. Census Bureau estimates Rogers' population at 72,999. growing 4.4% since 2020. Residents' median income is $69,582. increasing 6.21% from the previous year. The average age of Rogers residents is 32.9, reflecting a slightly younger population. Top industries in the city include manufacturing, retail trade, healthcare, construction and food services.

Homeownership in Rogers, AR

Nearly 57% of Rogers residents own their homes. The city's average home value is $266,811. increasing 6.05% in the last year. Most dwellings are single-family homes, making up 68% of area residences.

Like other Rogers homeowners, you want to protect your financial future. With VIU by HUB, you can get quotes, examine policies, add coverages and buy home insurance in Rogers. 

Understanding Home Insurance in Rogers

The average yearly cost for home insurance in Rogers is $2,515. While this figure is less than the state's typical annual rate, it's higher than the national yearly average of $1,820. 

Many factors influence your individual home insurance rates. The most relevant are your home's age, location and condition, along with climate and property crime risks in your region. Your claims history and credit score also affect what you'll pay for coverage. 

Weather-Related Risks in Rogers

Rogers has a moderate flooding risk. According to Risk Factor, 8% of the city's properties have a 26% or greater chance of being affected by flooding in the next 30 years. The city also has a moderate fire risk, with 85% of properties potentially facing some impact from wildfires.

Home Insurance Policy Components

Your home insurance policy offers protection against several kinds of financial losses. Your policy should include four components:

  • Structure: Attached and unattached buildings on your property
  • Personal property: Clothing, electronics, furniture and other personal effects
  • Liability: Bodily injuries and property damage to others caused by household members, including pets
  • Additional living expenses: Lodging, meals and related expenses incurred while staying away from home due to a covered loss

Your home insurance will cover wildfire damage. as well as losses from severe winds, hail, falling objects, storms, theft, malicious mischief, vandalism and civil unrest. Rates may increase or decrease depending on risk factors for certain loss types in your area.

Flood Insurance Coverage

Standard home insurance does not include coverage for flood-related losses. However, this coverage can be vital even in moderate-risk areas like Rogers. In fact, flooding risks increase after a large-scale wildfire due to the ground's inability to absorb water. 

Fortunately, you can add separate flood insurance coverage to your home policy. FEMA's National Flood Insurance Program makes this coverage available. You can purchase it when you buy home insurance through VIU by HUB. To see specific flood risks for your area, search for your address in FEMA's community flood maps.  

Selecting Your Perfect Home Policy

Indemnity protection is essential for any homeowner. VIU by HUB simplifies shopping for home insurance in Rogers. See options from carriers at once and select the coverage you need. You can even bundle home, auto and other policies for additional savings.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


Encyclopedia of Arkansas

U.S. Census Bureau


Neighborhood Scout


Risk Factor

Insurance Information Institute


Home insurance in Arkansas by city

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