Published July 27, 2026 · 40 years in trucking & the trades
What we cover in Oden
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Oden choose a local agent
When you're in Oden, Montgomery 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 Oden: the local picture
Living here in Oden, we know our homes take a beating. With 30 severe weather warnings in the last year and hail hitting the ground more often than we'd like, keeping your property covered is a top priority. Most of us live in older frame homes or manufactured homes, and while the average value is around $77,375, replacing a home after a storm can get expensive fast. That's why making sure you have solid dwelling coverage, especially for wind and hail damage, is crucial. Don't just look at the market value; think about what it would actually cost to rebuild or replace your home after a bad storm rolls through. These older homes can be more vulnerable, so understanding your policy's specifics on things like roof damage and structural integrity is key.
Population: 180 (2020)
Housing in Oden
The housing stock in Oden likely consists of older frame homes and a significant presence of manufactured/mobile homes (https://www.manufacturedhomes.com/city/Oden/Arkansas/, https://homenation.com/state/arkansas/city/oden). There are no indications of formal historic districts or large new subdivisions. The average home value is $77,375 (https://uphail.com/us/ar/oden/), suggesting lower replacement costs due to the age and type of housing.
Major local employers & who's hiring
- Ouachita River School District — Education hiring
- Area Agency on Aging of West Central Arkansas — Social Assistance/Healthcare hiring
- River View Cabins & Canoes — Tourism/Hospitality hiring
Local Oden businesses
A few businesses that call Oden home — independent of our agency.
- Allen Contracting Tree Service — Tree Service, Sod Installation
- BRB Tree Service — Arborist, Tree Trimming, Tree Removal
- Anthony Tree Care — Tree Services
Local landmarks & geography
- Ouachita River — Proximity to the Ouachita River creates flood risk for properties located in its floodplain. Insurance coverage may require specific flood insurance.
- Daisy State Park — Proximity to a state park, especially one with significant wooded areas, can affect property values and potentially increase wildfire risk in adjacent areas.
- Arkansas Highway 88 (Broadway Avenue) — As the main road through Oden, properties along this route may experience higher traffic exposure, potentially affecting property value or increasing risk of vehicle-related incidents.
- University of Arkansas Community College Rich Mountain (Mena, AR) — While not directly in Oden, the presence of a community college in a nearby town can influence the regional job market and property values through student and staff housing demand.
Local facts that shape your coverage
- As of the 2020 census, Oden, Arkansas has a population of 180. — Provides demographic context for the town.
- The Oden, AR area has had 5 reports of on-the-ground hail by trained spotters and 30 severe weather warnings in the past 12 months. — Highlights recent severe weather activity and hail risk.
- Doppler radar has detected hail at or near Oden, AR on 60 occasions, including 4 occasions during the past year. — Indicates a frequent occurrence of hail in the vicinity.
- The Albert Pike Recreation Area, located in southern Montgomery County (where Oden is situated), experienced a devastating flash flood tragedy, underscoring the region's vulnerability to severe flooding. — Demonstrates a significant historical flood risk in the immediate geographical area.
- The economy of Oden, a rural community, is small with 9 business establishments employing about 21 people. — Indicates a limited local commercial insurance market but highlights the importance of small business policies for the few existing enterprises.
- Oden, AR is located in Montgomery County, which has experienced significant flash flooding events, notably the Albert Pike Recreation Area flood tragedy. — Emphasizes a critical need for flood insurance, as standard homeowner's policies do not cover flood damage.
Local figures compiled from public sources: encyclopediaofarkansas.net · en.wikipedia.org · interactivehailmaps.com · en.wikipedia.org · zip-codes.com · ouachitariversd.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.
Oden, AR insurance — common questions
How much does insurance cost in Oden, AR?
Rates in Oden and Montgomery 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 Oden?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Oden and all of AR — home, auto, farm, business, life, and more.
Can I get a quote in Oden 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.