Published July 6, 2026 · 40 years in trucking & the trades
What we cover in Garfield
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Garfield choose a local agent
When you're in Garfield, 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 Garfield: the local picture
Population: 593 (2020)
Housing in Garfield
Predominantly post-1980 wood-frame single-family homes with a growing share of manufactured homes; no formal historic district; typical roofs are asphalt shingle typical of 1980s–2000s construction, implying moderate replacement cost and wind/hail risk consistent with Northwest Arkansas standards. https://www.manufacturedhomes.com/city/Garfield/Arkansas/;https://homenation.com/state/arkansas/city/garfield;https://www.mapsof.net/garfield-ar
Major local employers & who's hiring
- Flying RF Feed & Farm Supply — shopping
- SunRun Solar Warehouse — wholesale
Local Garfield businesses
A few businesses that call Garfield home — independent of our agency.
- Flying RF Feed & Farm Supply — ag-commercial
- Conoco — c-store
- Pud's Paint, Fab and Collision — main-street
- Las takizas nwa llc — main-street
- Fire and Rice Asian Cuisine — main-street
- Taco Time Llc — main-street
Local landmarks & geography
- Beaver Lake — Major recreational lake adjacent to Garfield; primary flood risk driver for property in/near city; high water levels increase floodplain exposure and property damage potential. Source: https://www.garfield-arkansas.us/
- White River (Beaver Lake tributary) — Feeds Beaver Lake; seasonal high flows and lake-level management influence local flood risk and drainage patterns. Source: https://www.garfield-arkansas.us/
- Garfield Historic District (including Garfield Elementary School) — Listed on the National Register of Historic Places; aged building stock may be more susceptible to wind and maintenance-related losses; contributes to property value and replacement cost considerations. Source: https://encyclopediaofarkansas.net/entries/garfield-benton-county-528/
- I-49 (Interstate 49) — Runs within ~6 miles east of Garfield; high-traffic corridor increases liability and property risk from vehicular incidents and serves as a regional economic driver affecting property values and demand. Source: https://www.garfield-arkansas.us/
- Hobbs State Park-Conservation Area (near Garfield) — Large state park adjacent to Beaver Lake; recreational draw increases seasonal property risk (wind, fire, liability) and can influence local flood dynamics via land use and runoff. Source: https://thedyrt.com/camping/arkansas/hobbs-state-park-karst-loop-trail-campsites
Local facts that shape your coverage
- Garfield is in Benton County, Arkansas, which experienced 107 tornadoes during the historic January 21–22, 1999 outbreak—the largest in state history—per NOAA/NWS Little Rock’s event summary. — Documents the tornado threat profile for northwest Arkansas and Garfield’s county.
- NOAA’s Storm Prediction Center’s Arkansas climatology places Benton County (and Garfield) in the March–May peak for tornado occurrence and in the top quartile for counties with the most significant severe wind/hail reports. — Indicates Garfield’s seasonal severe-weather risk profile.
- FEMA’s Available Flood Hazard Information for Arkansas tables (most recent quarter) list Benton County but do not include the Town of Garfield in a Special Flood Hazard Area (SFHA/AE zone), implying lower regulatory flood risk relative to riverine bottomlands. — Provides FEMA’s official flood-risk designation for Garfield.
- First Street’s flood model for Garfield’s ZIP (72732) shows localized rainfall-driven flash-flood risk as moderate (compared with riverine flood risk), consistent with its upland terrain and rapid runoff patterns. — Highlights non-riverine flood exposure not reflected in FEMA’s SFHA mapping.
Local figures compiled from public sources: en.wikipedia.org · weather.gov · weather.gov · fema.gov · firststreet.org · garfield-arkansas.us. 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.
Garfield, AR insurance — common questions
How much does insurance cost in Garfield, AR?
Rates in Garfield 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 Garfield?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Garfield and all of AR — home, auto, farm, business, life, and more.
Can I get a quote in Garfield 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.