Published June 23, 2026 · 40 years in trucking & the trades
What we cover in Caraway
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Caraway choose a local agent
When you're in Caraway, Craighead County, you get a real person who knows AR — not a 1-800 menu. Billy E. Whited is a licensed local agent shopping 80+ carriers to fit your home, vehicle, farm, or business, and can quote, bind, or sit down with you in person, over Zoom, or on the phone.
Nearby towns we also cover:
Insurance in Caraway: the local picture
Living here in Caraway, we know our homes are more than just structures; they're our livelihoods. With an estimated median home value around $93,923, and owner-occupied units averaging $55,900, many of us are in older, established homes. That makes robust homeowners insurance absolutely critical, especially when you consider our weather. Caraway's tornado activity is 120% higher than the national average, and we frequently see strong thunderstorms and hail. Folks need to ensure their policies have comprehensive wind and hail coverage, and that their deductibles are manageable. Given our proximity to the St. Francis River, Little River, and Big Lake, and the general susceptibility to flash floods, separate flood insurance is not just an option—it’s a necessity to protect against water damage that standard policies won't cover.
Population: 1133 (2020)
Housing in Caraway
The estimated median house or condo value in Caraway was $93,923 in 2021, with a median value of owner-occupied housing units at $55,900. (Sources: https://www.city-data.com/city/Caraway-Arkansas.html, https://censusreporter.org/profiles/16000US0511410-caraway-ar/)
Major local employers & who's hiring
- Roach Manufacturing Corporation — Manufacturing (Conveyor Systems) Yes, expanding and creating 30 new jobs
- Riverside School District — Education hiring
Local landmarks & geography
- St. Francis River — Historical flood risk, as Caraway is part of 'Buffalo Island' formed by the floodwaters of this river, Little River, and Big Lake. Affects flood insurance.
- Little River — Historical flood risk, as Caraway is part of 'Buffalo Island' formed by the floodwaters of this river, St. Francis River, and Big Lake. Affects flood insurance.
- Big Lake — Historical flood risk, as Caraway is part of 'Buffalo Island' formed by the floodwaters of this lake, St. Francis River, and Little River. Affects flood insurance.
- Arkansas State University - Main Campus — Located approximately 21-26 miles from Caraway in Jonesboro. Its proximity can influence the regional economy, property values, and demand for housing in the broader area.
- Caraway Water Plant — Critical municipal infrastructure providing essential services to the town. While not a major industrial employer, its presence ensures basic utility services.
Local facts that shape your coverage
- Caraway, AR's historical tornado activity is 120% greater than the overall U.S. average. — high
- The top recent hail date for Caraway, AR was Wednesday, June 18, 2025, indicating a susceptibility to hail events. — medium
- Severe weather warnings for Caraway, AR, issued by the National Weather Service, include advisories for flash floods. — high
- Caraway, AR experiences tornado activity 120% greater than the national average, alongside a heightened risk of strong thunderstorms and hail events. — Directly impacts property insurance needs, deductibles for wind/hail, and the overall risk profile for homeowners and businesses.
- The median value of owner-occupied housing units in Caraway was $55,900 in 2021. — Provides context for the typical value of homes needing insurance coverage, influencing coverage limits and premium calculations for homeowners.
Local figures compiled from public sources: en.wikipedia.org · city-data.com · interactivehailmaps.com · localconditions.com · censusreporter.org · areadevelopment.com. Estimates — verify current details with the original source.
Insurance requirements in Arkansas
Arkansas is an at-fault (tort) state: every driver must carry liability insurance, and insurers must offer uninsured/underinsured-motorist coverage. Arkansas sits in a severe-weather corridor — tornadoes, large hail, and river/flash flooding are real exposures for homes, farms, and businesses. As an independent agency we shop multiple carriers to fit Arkansas's requirements and weather risk to your budget. Verify current state minimums with the Arkansas Insurance Department.
Caraway, AR insurance — common questions
How much does insurance cost in Caraway, AR?
Rates in Caraway and Craighead County depend on your home, vehicles, business, and the coverage you choose. As an independent agency we shop 80+ carriers to find your best price — start a quote or call 573-594-5148 for a real number.
Do you write insurance in Caraway?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Caraway and all of AR — home, auto, farm, business, life, and more.
Can I get a quote in Caraway today?
Absolutely. You can buy simple lines online in minutes, or book a quick consult — in person, over Zoom, or by phone — and we'll get you covered fast.