Published July 7, 2026 · 40 years in trucking & the trades
What we cover in Highfill
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Highfill choose a local agent
When you're in Highfill, 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 Highfill: the local picture
Highfill sits where the West Fork of the White River and its tributaries spill into Beaver Lake, so water is always in the conversation—both as an amenity and a risk. The town’s biggest employer, Northwest Arkansas National Airport (XNA), anchors the local economy with aviation, logistics, and support jobs, but it also sits on flat, low-lying ground near the White River floodplain. Every spring and early summer, the same storms that bring business travelers to XNA can drop enough rain to push the river over its banks, flooding roads and yards and putting homes and businesses in AE/AH zones on the hook for mandatory flood insurance. If you live near AR-264 or the lake, you’re especially exposed, and even newer builds aren’t immune—FEMA’s latest maps show pockets of Highfill still in AE zones with a non-zero 100-year flood risk. For XNA workers and the local contractors like Big Dog Roofing, Stith Plumbing & HVAC, and the tree services, the same storms that spike demand for their services also spike claims for wind, hail, and storm damage. Standard homeowners and commercial policies often leave wind-driven rain and sewer backup uncovered, so endorsements or separate coverages are the smart play here. And with XNA’s 2023 decision to detach from the city over tax disputes, the airport’s future service levels and infrastructure funding could shift, potentially affecting property values and demand for supplemental coverages like business interruption in the logistics corridor.
Population: 1587 (2020)
Housing in Highfill
Most housing stock in Highfill is from the late 20th to early 21st century (1980s–2010s), with a mix of frame and brick construction; there are no designated historic districts or large manufactured-home parks within the town limits. The predominance of post-1980s frame and brick homes suggests moderate to high replacement costs for roofs, with typical asphalt shingle roofs needing periodic updates and some homes approaching or exceeding 20–30 years since initial construction.
Local Highfill businesses
A few businesses that call Highfill home — independent of our agency.
- 1 Big Dog Roofing — roofing
- Stith Plumbing & HVAC — HVAC
- Fight Schem Dry — plumbing
- Blue Collar HVAC — HVAC
- BRB Tree Service — tree trimming
- Big Jeff Tree Service — tree trimming
- City of Highfill — local government
- Highfill Local Business Directory — local business listings
Local landmarks & geography
- Beaver Lake — Proximity to Beaver Lake (adjacent via AR-264) increases flood risk for properties near the shoreline and downstream areas due to regulated lake levels, storm surges, and dam operations; also affects property values and coverage eligibility.
- AR-264 (Highfill to Beaver Lake Road) — Primary east-west route connecting Highfill to Beaver Lake; flood risk corridors and seasonal inundation may impact infrastructure and insurability along the route and adjacent parcels.
- Northwest Arkansas National Airport (XNA) — Major regional airport adjacent to Highfill; high-value infrastructure, noise corridors, and liability exposure for insurers; airport operations and expansion can influence local property values and risk profiles.
- City of Highfill Storm Resources & Alerts — Local emergency management and flood warning systems; insurers may assess community preparedness and response infrastructure for flood and severe weather events in Highfill and surrounding Benton County.
- Benton County Flood History & Disaster Declarations — Benton County has experienced 23 natural disasters (14 major disasters, 4 emergencies), including floods; insurers use this data to assess regional flood and disaster risk affecting Highfill properties.
- Highfill Planning & Zoning Maps — Zoning and land-use maps delineate floodplains, wetlands, and development restrictions; critical for underwriting property risk, flood zone determination, and valuation in Highfill.
Local facts that shape your coverage
- The Storm Prediction Center’s severe weather outlooks for Arkansas regularly include Benton County, reflecting Highfill’s exposure to tornadoes, large hail, and damaging winds during peak seasons. — Highlights the town’s recurring risk from severe thunderstorms and tornadoes, especially in spring and early summer.
- FEMA’s National Flood Hazard Layer and Benton County GIS data show parts of Highfill in AE/AH flood zones, indicating a 1% annual chance (100-year) flood risk; localized drainage issues can exacerbate flooding during heavy rainfall. — Documents the official flood risk designation for portions of the town.
- Northwest Arkansas National Airport, located in Highfill, has documented storm-related disruptions (delays/cancellations) due to severe weather, underscoring the area’s susceptibility to high-impact events. — Illustrates real-world consequences of severe weather on critical infrastructure in Highfill.
- The City of Highfill’s official Storm Resources page directs residents to iDriveArkansas for live flood/weather hazard updates, emphasizing ongoing community-level risk awareness and preparedness. — Shows local government acknowledgment of flood and severe weather risks and provides a public resource for real-time alerts.
- Highfill’s population was 1,587 as of the 2020 census. — Small-town market sizing and agent pipeline planning.
- XNA directly employs ~70 full- and part-time staff and supports regional aviation and logistics jobs, anchoring local payrolls. — Drives demand for property, auto, and workers’ comp lines among contractors and service businesses.
Local figures compiled from public sources: en.m.wikipedia.org · spc.noaa.gov · fema.gov · en.wikipedia.org · highfillarkansas.gov · flyxna.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.
Highfill, AR insurance — common questions
How much does insurance cost in Highfill, AR?
Rates in Highfill 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 Highfill?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Highfill and all of AR — home, auto, farm, business, life, and more.
Can I get a quote in Highfill 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.