Published July 21, 2026 · 40 years in trucking & the trades
What we cover in Oxford
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Oxford choose a local agent
When you're in Oxford, Izard 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 Oxford: the local picture
Living here in Oxford, we know firsthand that our little corner of Izard County is a special place, but it's also one that keeps us on our toes when it comes to protecting what we've built. With severe weather, including tornados like the recent EF-2 that hit the county, and the regular threat of hail across Arkansas, a solid homeowners policy with robust wind and hail coverage isn't just a good idea—it's essential. And let's not forget our average 50.1 inches of rain annually, coupled with our proximity to Crown Lake, Bens Creek, and the Strawberry River, means flood insurance, easily checked via FEMA's Flood Map Service Center, is a critical layer of protection for many of us.
Population: 573 (2020)
Housing in Oxford
Most buildings in Izard County, which includes Oxford, were constructed between 1981 and 2005, with some properties dating back to as early as 1893. The varied age of the housing stock implies a range of replacement costs, with older homes potentially incurring higher maintenance and replacement expenses for roofs and other components. (Source: https://www.countyoffice.org/ar-izard-county-property-records/)
Major local employers & who's hiring
- Izard County Consolidated School District — Education
- Signworkx — Manufacturing (Miscellaneous)
Local Oxford businesses
A few businesses that call Oxford home — independent of our agency.
- Alec's Asphalt Paving — Contractor
- Royce Towing — Auto Shop
Local landmarks & geography
- Crown Lake — Increased flood risk for properties adjacent or in proximity to the lake. May also affect property value due to desirable waterfront access.
- Bens Creek — Crown Lake is on Bens Creek. Properties along or near Bens Creek face increased flood risk.
- Strawberry River — The Strawberry River is near Crown Lake and Bens Creek in Izard County. Properties in its floodplain or near its banks would be at higher risk of flooding.
- Historic downtown/district — No specific named historic downtown or district found for Oxford, AR. If individual historic properties exist, they may have higher reconstruction costs and specific preservation requirements affecting insurance.
- State park — No state park found within or immediately adjacent to Oxford, AR. Therefore, no direct impact on insurance risk from this type of landmark.
- Interstate — No interstate highway found within or immediately adjacent to Oxford, AR. Therefore, no direct impact on insurance risk from this type of landmark (e.g., traffic noise, potential for vehicle impact).
- University — No university found within or immediately adjacent to Oxford, AR. The nearest university (Harding University) is approximately 68 miles away and does not locally affect insurance risk.
- Major plant — No specific major industrial plant or large employer identified within Oxford, AR. Given the town's small population, it is unlikely to host a facility that significantly impacts local property values or specific industrial risks.
Local facts that shape your coverage
- An EF-2 tornado was confirmed in Izard County, Arkansas, impacting areas from Sage to Evening Shade, indicating a significant tornado risk for the region. — High
- The National Weather Service in Little Rock, AR, provides a 'Severe Weather in Arkansas' guide, highlighting the state's general susceptibility to various hazardous weather phenomena. — Medium
- As of the 2020 United States Census, the town of Oxford, Arkansas, had a population of 573. — High
- Oxford, AR (ZIP 72565) receives an average annual precipitation of approximately 50.1 inches (1273 mm). — Medium
- The population of Oxford, Arkansas, was 573 as of the 2020 census. — Population size can influence insurance market dynamics and community-wide risk assessment.
- Arkansas, including the Oxford area, is prone to hail, which is a significant component of the state's severe weather events. — Hail exposure directly impacts property insurance claims, particularly for roofs and vehicles.
Local figures compiled from public sources: encyclopediaofarkansas.net · katv.com · weather.gov · en.wikipedia.org · worldweatheronline.com · hailtrace.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.
Oxford, AR insurance — common questions
How much does insurance cost in Oxford, AR?
Rates in Oxford and Izard 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 Oxford?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Oxford and all of AR — home, auto, farm, business, life, and more.
Can I get a quote in Oxford 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.