Published July 17, 2026 · 40 years in trucking & the trades
What we cover in Roe
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Roe choose a local agent
When you're in Roe, Monroe 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 Roe: the local picture
Living here in Roe, you know our livelihoods are tied directly to the land. With an economy historically centered on cotton and rice, protecting your farm's assets is paramount. This means making sure your farm and ranch policy adequately covers barns, equipment, and even your crops – not just against fire, but also against the severe weather we're prone to. Liability coverage is also crucial, especially with visitors or workers on your property, and for any incidents that might arise from your operations. For the small businesses supporting our agricultural community, business interruption insurance is a must-have; a bad storm or other event shouldn't shut you down for good.
Our homes tell a story, too. Most of the houses in Roe are older, and many folks live in manufactured homes. For those older stick-built places, you really need to look at your dwelling coverage to ensure it reflects the true cost of rebuilding, which can be higher for unique materials or craftsmanship. Don't just settle for market value; think about replacement cost. If you're in a manufactured home, we'll look at specific policies designed for those, making sure your roof and structure are covered. And with the White River nearby and our location on the Grand Prairie, flood insurance isn't just a suggestion; it's a necessity. Standard homeowners policies don't cover floods, so that's a separate conversation we need to have.
Speaking of the Grand Prairie, we know all too well how quickly the weather can turn here in Eastern Arkansas. Tornadoes, severe thunderstorms, and hail are a real threat. Your homeowners policy needs robust wind and hail coverage, and we should discuss any specific endorsements that might give you extra peace of mind against these powerful storms. Don't forget your vehicles either; comprehensive auto coverage is essential to protect against hail damage, falling trees, or other perils that come with our unpredictable weather.
Population: 68 (2020)
Housing in Roe
The housing stock in Roe is predominantly older, with only 1.5% of housing units built after the year 2000. Manufactured homes are also a component of the local housing. This suggests a mix of older frame or brick homes and manufactured housing, rather than new subdivisions or a dedicated historic district. The age and type of housing imply a range of replacement costs; older structures may require more significant investment for renovation or replacement, while manufactured homes offer more standardized and potentially lower-cost options for roofing and overall replacement. Sources: https://www.manufacturedhomes.com/city/Roe/Arkansas/, https://www.biggestuscities.com/city/roe-arkansas
Local landmarks & geography
- White River — The White River, in conjunction with the White River National Wildlife Refuge (a large floodplain ecosystem), contributes to significant flood risk for properties in and around Roe, AR.
- White River National Wildlife Refuge — This federal wildlife refuge is a vast floodplain ecosystem near Roe, indicating a high flood risk for adjacent properties and influencing local environmental factors that can affect property values and coverage needs.
- U.S. Route 79 — A major U.S. highway intersecting in Roe, affecting accessibility, potential for traffic-related incidents, and property values due to proximity to a main thoroughfare.
- Arkansas Highway 33 — A state highway intersecting in Roe, contributing to local traffic patterns, accessibility, and potential for traffic-related incidents affecting properties along its route.
- Grand Prairie — Roe is located on the northern edge of the Grand Prairie, an agricultural region. While not a specific landmark, this geographical feature implies a predominantly agricultural economy and landscape, which can affect property types, values, and potential for agricultural-related risks.
Local facts that shape your coverage
- Roe is a town in Monroe County, Arkansas, with a population of 68 at the 2020 census, a decrease from 114 in 2010. — High
- The town is located at the junction of U.S. Route 79 and Arkansas Highway 33. — High
- As of the 2010 Census, the population of Roe, Arkansas was 114 inhabitants. — Provides demographic context, indicating a very small, tightly-knit community where personal relationships might influence insurance choices and local risks are shared.
Local figures compiled from public sources: en.wikipedia.org · es.wikipedia.org · downhomearkansas.net · en.wikipedia.org · encyclopediaofarkansas.net. 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.
Roe, AR insurance — common questions
How much does insurance cost in Roe, AR?
Rates in Roe and Monroe 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 Roe?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Roe and all of AR — home, auto, farm, business, life, and more.
Can I get a quote in Roe 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.