Published June 27, 2026 · 40 years in trucking & the trades
What we cover in Clarksville
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Clarksville choose a local agent
When you're in Clarksville, Johnson 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 Clarksville: the local picture
Folks around Clarksville know that living by the Arkansas River and having those hot, muggy summers and wet, cold winters means we've got some unique insurance needs. For our homeowners, especially in those older homes, like the beautiful Pennington House built back in '88-89, we've got to think about more than just standard coverage. Older plumbing, electrical, and roofs can mean higher risks for water damage or fire, and ensuring you have enough dwelling coverage to rebuild, not just repair, is crucial. And with us being right here in 'Tornado Alley,' wind and hail are real concerns. Make sure your policy has a solid wind/hail deductible you're comfortable with, and consider replacement cost for personal property, not just actual cash value, so you can truly replace what you lose after a storm.
Our local businesses are the backbone of this town, from the Clarksville School District and Johnson Regional Medical Center to Arning Companies, the University of the Ozarks, Bright Harvest Sweet Potato Co, and Tyson Foods. Each one has distinct commercial insurance needs. Whether it's property insurance to protect their buildings and equipment from those severe thunderstorms and potential flooding, general liability for day-to-day operations, or workers' compensation for their dedicated employees, being properly covered is essential. For places like Tyson Foods, with large operations, or the University of the Ozarks, there are often specialized coverages for things like product liability or unique property risks that need careful attention.
And let's not forget about our proximity to the Arkansas River and those heavy rainfall events. Flood insurance, which is separate from your standard homeowner's policy, is a must-have consideration for anyone in town, not just those in designated flood zones. Water doesn't always stay where it's supposed to, and a good flood policy can be the difference between recovering quickly and a devastating loss. Auto insurance here also needs to account for comprehensive coverage, given the hail and potential for fallen trees during our severe weather.
Population: 9361 (2020)
Housing in Clarksville
The housing stock includes older residences, exemplified by the historic Pennington House (built 1888-89), which is a 2-1/2 story wood frame structure.
Major local employers & who's hiring
- Clarksville School District — Education Actively hiring
- Johnson Regional Medical Center — Healthcare Actively hiring
- Arning Companies — Manufacturing Actively hiring
- University of the Ozarks — Higher Education Actively hiring
- Bright Harvest Sweet Potato Co — Food Production / Agriculture Processing
- Johnson Cooperative Extension — government
- Clarksville Feed and Supply — shopping
- Tyson Feed Mill Spadra — farm
Local Clarksville businesses
A few businesses that call Clarksville home — independent of our agency.
- Jackson's Heating & Air — HVAC
- Russellville Tree Service — Tree Trimming
- Johnson Cooperative Extension — ag-commercial
- Clarksville Feed and Supply — ag-commercial
- Shell — c-store
- Casey's — c-store
- Motion Fuels — c-store
- Murphy USA — c-store
- Exxon — c-store
- Valero — c-store
- Phillips 66 — c-store
- First Security Bank — financial
Local landmarks & geography
- Arkansas River — Proximity to the Arkansas River affects flood risk and may require specific flood insurance coverage for properties in designated flood zones.
- Big Piney Creek — As a local creek, properties in its vicinity may face increased risk of flooding, especially during heavy rainfall, necessitating flood insurance.
- Cane Creek State Park — While not directly in Clarksville, its proximity contributes to regional tourism and recreational value, which can indirectly influence property values in the broader area. Properties near state parks may also have different fire risk profiles due to natural vegetation.
- Interstate 40 (I-40) — Properties located near I-40 may experience higher traffic noise, increased potential for vehicle-related incidents, and can have varying property values depending on accessibility and proximity to exits. It also impacts business insurance for commercial properties.
- University of the Ozarks — The presence of a university can significantly impact local housing demand, property values, and the rental market. It also brings a student population which can affect local business insurance and public liability considerations.
- Tyson Foods, Inc. — As a major employer, Tyson Foods contributes to the local economy and employment rates, which can influence property values and the overall stability of the housing market. Industrial operations may also have specific environmental or liability considerations for nearby properties.
Local facts that shape your coverage
- In Clarksville, Arkansas, the summers are typically hot and muggy, while winters are short, very cold, and wet, with partly cloudy conditions year-round. — Describes the general climate patterns contributing to various weather phenomena.
- Arkansas is located within or adjacent to 'Tornado Alley,' a region in the central United States where tornadoes are most frequent. — Indicates a high general risk of tornadoes for the state, including Clarksville.
- On June 12, 2009, high winds of up to 85 mph caused significant destruction in the town of Clarksville, Arkansas. — Highlights a specific past severe weather event directly impacting Clarksville.
- The Arkansas Floodplain Management Association (AFMA) exists to promote common interest in flood damage abatement, indicating the presence and management of floodplains across the state. — Suggests that flood risk is a recognized concern in Arkansas, impacting communities like Clarksville.
- As of the 2020 census, Johnson County, Arkansas, where Clarksville is the county seat, had a population of 25,749. — Provides population context for the area, impacting overall insurance market size and risk pools.
Local figures compiled from public sources: worldpopulationreview.com · weatherspark.com · en.wikipedia.org · youtube.com · arkansasfloods.org · en.wikipedia.org. 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.
Clarksville, AR insurance — common questions
How much does insurance cost in Clarksville, AR?
Rates in Clarksville and Johnson 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 Clarksville?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Clarksville and all of AR — home, auto, farm, business, life, and more.
Can I get a quote in Clarksville 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.