Published July 2, 2026 · 40 years in trucking & the trades
What we cover in Horatio
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Horatio choose a local agent
When you're in Horatio, Sevier 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 Horatio: the local picture
Horatio sits on the western edge of Sevier County where the land rolls out in red clay and pasture, tied economically to De Queen’s factories and warehouses just 15 minutes east. Locals punch the clock at poultry plants like George’s and OK Foods, or drive to De Queen for shifts at Tyson or the Walmart DC, while the rest keep things running here: Ants Plumbing snakes out sewer lines in the older ranch homes on 2nd Street; Paterno’s Heating & Air keeps window units humming through July’s triple-digit heat indices; Sky Restoration Roofing nails down shingles after the hail tears through every spring. That’s the year most homeowners file claims—roofs, siding, and the occasional totaled car parked in the driveway when the hail hits 2 inches across. The town’s 1,200 souls live mostly in single-family dwellings built before 1990, and while Horatio itself sits high enough to dodge FEMA’s 100-year floodplain, the low spots along Highway 278 still flash when the skies open up, sending Spears Septic and Excavation out with pumps at dawn. Trim Tree Service and CVS Home keep the right-of-way clear so FEMA flood inspectors can even get in after the worst storms. With tornado warnings blaring from NOAA radios more springs than not, a healthy dose of homeowners, dwelling, and auto coverage—plus scheduled personal property for the roof and outbuildings—isn’t just smart, it’s how you stay in business here.
Population: 920 (2020)
Housing in Horatio
Most homes in Horatio were built between 1970 and 2000, with a mix of wood-frame and brick construction; newer subdivisions are rare, and there is no historic district. The housing stock is generally older, which increases replacement cost and the likelihood that roofs are due for or past replacement, especially on properties built before 2000.
Local Horatio businesses
A few businesses that call Horatio home — independent of our agency.
- Ants Plumbing — plumbing
- Paterno's Heating & Air — HVAC
- Sky Restoration Roofing — roofing
- Spears Septic and Excavation — septic,excavation
- Trim Tree Service — tree trimming
- CVS Home (Tree Removal & Trimming) — tree trimming
- Horatio State Bank — financial
- MAIN STREET KITCHEN — main-street
- Michael's Mexican Grill — main-street
Local facts that shape your coverage
- A tornado touched down southwest of Horatio along Highway 399 on May 2, 2018, uprooting trees and damaging outbuildings; this event is documented in NOAA’s Storm Events Database (NCEI event ID 349525). — Documents a credible tornado hazard in Horatio’s immediate vicinity within the last decade.
- InteractiveHailMaps shows active hail swaths crossing Horatio in multiple recent years, with quarter-size hail and 60 mph wind gusts reported nearby, indicating a tangible hail/straight-line wind risk for the town. — Establishes recent hail and wind hazards affecting Horatio.
- First Street Foundation’s flood model for ZIP 72761 assigns Horatio a current annualized flood risk of 0.6% (moderate), driven primarily by heavy-rain flash flooding rather than riverine flooding, with risk projected to rise to 0.8% by 2050 under climate scenarios. — Quantifies flood risk for Horatio and highlights future worsening due to climate change.
- Horatio recorded 9 inches of snow on December 28, 2000, per a Public Information Statement from NWS Little Rock, underscoring its vulnerability to occasional ice/snow events despite its mild climate. — Illustrates infrequent but impactful winter weather hazards in Horatio.
- In 2024 the median Horatio home value was $122,700 with 69.8% owner-occupied; 87.9% of residents are U.S. citizens. — Low to moderate home values make replacement cost coverage essential, while owner-occupancy rates signal strong local demand for homeowners policies.
- First Street Foundation flood model for ZIP 72761 shows localized flash flood risk concentrated in low-lying areas despite FEMA’s mapped 100-year floodplain exclusion for Horatio proper. — Clients in low-lying pockets need flood endorsements or private excess flood policies because standard homeowners excludes surface water damage.
Local figures compiled from public sources: en.wikipedia.org · ncei.noaa.gov · interactivehailmaps.com · firststreet.org · weather.gov · datausa.io. 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.
Horatio, AR insurance — common questions
How much does insurance cost in Horatio, AR?
Rates in Horatio and Sevier 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 Horatio?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Horatio and all of AR — home, auto, farm, business, life, and more.
Can I get a quote in Horatio 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.