Published July 6, 2026 · 40 years in trucking & the trades
What we cover in Centerton
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Centerton choose a local agent
When you're in Centerton, Benton 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 Centerton: the local picture
Living here in Centerton, you quickly learn that while our growth is exciting, it also brings unique insurance considerations. With so many new subdivisions like Woodcrest Walk popping up and our population exploding – we're the fastest-growing city in Arkansas, with a 7.2% growth rate – homeowners insurance is key. Most of these newer homes are frame construction with modern finishes and asphalt shingle roofs. You'll want to make sure your dwelling coverage is robust enough to cover the full replacement cost of these contemporary materials, not just an outdated estimate. Given our spot in Northwest Arkansas, we see our fair share of severe weather. Hail is a frequent threat; Arkansas is consistently a top 10 state for hail damage, with around 160 annual events. We've also had our brush with tornadoes, like that F-3 back in 2006 near us. That means comprehensive coverage for wind and hail is non-negotiable, and if you have a newer roof, it's worth discussing actual cash value versus replacement cost coverage for hail damage.
Beyond our homes, Centerton's economy, driven by major employers like the Bentonville School District, Mercy Hospital Northwest Arkansas, and manufacturing at Bemco, means commercial insurance needs are substantial. For local businesses like Waffle House #2323 or Plaza Tire Service, property insurance needs to account for potential hail and wind damage to commercial structures, along with general liability to protect against everyday risks. Given our location in Benton County, which has seen 7 federal disaster declarations for flooding or severe storms, and the presence of FEMA Special Flood Hazard Areas, businesses and homeowners alike need to consider flood insurance, as standard policies won't cover it. Don't wait until a flood warning to look into it – it's often a separate policy.
Our rapid growth also impacts everything from workers' compensation for the construction boom to increased auto insurance needs on I-49 as more people commute. With so many new families moving in, many with kids in the Bentonville School District, personal umbrella policies are becoming increasingly important for that extra layer of liability protection. It's about protecting what you've built and what you're building here in Centerton, knowing our local climate and dynamic economy.
Population: 17792 (2020)
Housing in Centerton
The local housing stock is characterized by a significant number of new subdivisions (e.g., Woodcrest Walk), indicating a predominantly newer housing age. Construction typically features frame homes, often with modern finishes. Additionally, manufactured and modular homes are present. There is no indication of a historic district. This newer housing stock generally means modern roofing materials (e.g., asphalt shingles) and construction standards, influencing replacement costs to align with contemporary building practices. Sources: https://www.schubermitchell.com/new-homes/ar/centerton/woodcrest-walk/, https://www.manufacturedhomes.com/city/Centerton/Arkansas/, https://www.modularhomes.com/city/Centerton/Arkansas/
Major local employers & who's hiring
- Bentonville School District — Education Actively hiring
- Mercy Hospital Northwest Arkansas — Healthcare Actively hiring
- Bemco — Manufacturing
- Simmons Foods — Food Processing / Agriculture Actively hiring
Local Centerton businesses
A few businesses that call Centerton home — independent of our agency.
- Waffle House #2323 — Restaurant
- Plaza Tire Service — Auto Shop
- Firestone Complete Auto Care — Auto Shop
- Shell — c-store
- White Oak Station — c-store
- CoinFlip Bitcoin ATM - Center Point Convenience Store (Centerton) — c-store
- Arvest Bank — financial
- CDReload at Casey's — financial
- F1RSTNB of NWA — financial
- First Security Bank — financial
- Star Lube and Storage — main-street
- H.I.S. Automotive Repair — main-street
Local landmarks & geography
- FEMA Special Flood Hazard Areas — Areas identified by FEMA with a special flood or mudflow hazard, directly impacting flood insurance requirements and rates for properties within these zones.
- Old Town Downtown Centerton — Presence of older homes, some on the Arkansas Historical Homes Registry, potentially affecting property values and requiring specialized historic property insurance or higher reconstruction costs.
- Interstate 49 (I-49) — Major regional transportation artery in Northwest Arkansas, affecting accessibility, commercial property values, and potentially noise pollution for nearby properties.
- Bemco (Manufacturing) — A manufacturing facility, which may have commercial property insurance considerations; general industrial operations.
Local facts that shape your coverage
- Centerton is the fastest-growing city in Arkansas among cities with at least 20,000 people, boasting a 7.2% growth rate, making it the 31st fastest-growing in the United States. — High growth implies increased construction, more new homes, and expanding commercial activity, all directly impacting insurance needs for property, liability, and workers' compensation.
- Northwest Arkansas, including Centerton, frequently experiences hail, with Arkansas consistently ranking among the top 10 states for hail damage, averaging around 160 annual hail events. — This high frequency of hail events makes comprehensive coverage for wind and hail damage a critical component of both homeowners and commercial property insurance policies.
Local figures compiled from public sources: whereig.com · talkbusiness.net · myheritageroofing.com · indeed.com · simplyhired.com · manta.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.
Centerton, AR insurance — common questions
How much does insurance cost in Centerton, AR?
Rates in Centerton and Benton 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 Centerton?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Centerton and all of AR — home, auto, farm, business, life, and more.
Can I get a quote in Centerton 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.