Published June 25, 2026 · 40 years in trucking & the trades
What we cover in Coal Hill
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Coal Hill choose a local agent
When you're in Coal Hill, 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 Coal Hill: the local picture
Living here in Coal Hill, we know our community is tight-knit, and that means looking out for each other, especially when it comes to protecting what we've built. For our local businesses, like Rush Plumbing, BRB Tree Service, and Big Jeff Tree Service, comprehensive commercial insurance isn't just a good idea, it's essential. With services that often require travel on Interstate 40 and work at various locations, commercial auto liability, general liability, and workers' compensation are critical to protect against everyday risks and ensure employees are covered. Even for institutions like the Westside School District and Johnson Regional Medical Center, robust property and liability coverage are paramount to safeguard their operations and the well-being of our community members they serve.
Population: 820 (2020)
Housing in Coal Hill
The housing stock includes Low Rent Public Housing Apartments managed by the Coal Hill Housing Authority (https://housingauthoritynearme.com/listing/coal-hill-housing-authority/, https://www.publichousing.com/city/ar-hartman) and multi-family housing rentals like Coal Hill Manor (https://housingapartments.org/rental_detail/40862).
Major local employers & who's hiring
- Westside School District — Education hiring
- Johnson Regional Medical Center — Healthcare hiring
Local Coal Hill businesses
A few businesses that call Coal Hill home — independent of our agency.
- Rush Plumbing — Plumbing
- BRB Tree Service — Tree Trimming
- Big Jeff Tree Service — Tree Trimming
- Anthony's Automotive — main-street
Local landmarks & geography
- Arkansas River — Proximity to the Arkansas River indicates potential for flood risk, which directly impacts property insurance coverage.
- Interstate 40 — Proximity to a major interstate highway like I-40 can influence property values due to accessibility for commerce and transportation, potentially affecting replacement costs and business interruption insurance.
- University of the Ozarks — As a university located within Johnson County, it contributes to the local economy and population, which can indirectly affect property values and the demand for housing and commercial properties in the region, including Coal Hill.
- Johnson County, Arkansas (General Geography) — Johnson County, where Coal Hill is located, has historical area-adjusted tornado activity significantly below the Arkansas state average, which is a factor in windstorm insurance risk assessment.
Local facts that shape your coverage
- As of 2020, the total population of Coal Hill, Arkansas, was 1,012, with a median age of 40. — Demographic information provides context for the town.
- On April 9, 2021, a hail event was recorded near Nashville, AR, with Coal Hill, AR, also mentioned in relation to the event. — Specific instance of severe weather affecting or being near the town.
- On May 3, 2017, a hail event with an impact rating of 1 occurred near Fort Smith, AR, with Coal Hill, AR, mentioned in the vicinity. — Specific instance of severe weather affecting or being near the town.
- The National Weather Service office in Fort Smith, AR, provides climatological data and severe weather outlooks for Franklin County, where Coal Hill is situated, suggesting the region is prone to various weather hazards. — Indicates the general severe weather environment of the region.
- The housing stock in Coal Hill includes Low Rent Public Housing Apartments managed by the Coal Hill Housing Authority. — Important for understanding property insurance needs for landlords and the availability of renters insurance for tenants.
- Properties in Coal Hill, AR, are subject to flood risk assessments by organizations like First Street Foundation and FEMA, which provides flood insurance rate maps. — Highlights the critical need for flood insurance, as standard homeowners' policies do not cover flood damage, especially given the proximity to the Arkansas River.
Local figures compiled from public sources: en.wikipedia.org · suburbanstats.org · maps.interactivehailmaps.com · maps.interactivehailmaps.com · weather.gov · housingauthoritynearme.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.
Coal Hill, AR insurance — common questions
How much does insurance cost in Coal Hill, AR?
Rates in Coal Hill 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 Coal Hill?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Coal Hill and all of AR — home, auto, farm, business, life, and more.
Can I get a quote in Coal Hill 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.