Cedarville, AR Insurance Guide — Local Risks & Coverage
Licensed insurance agent, BNW Services LLC · 40 years in trucking & the trades
Here's the local picture for insurance in Cedarville, Arkansas — the real employers, geography, housing, and weather that shape your coverage, from a licensed local agent who shops 69+ carriers.
Insurance in Cedarville: a local agent's take
Living here in Cedarville, we know our homes are more than just structures; they're our sanctuary. With a median housing value of $168,800, and knowing that manufactured homes are part of our housing stock, it's crucial to consider dwelling coverage that accurately reflects replacement costs, especially for those manufactured properties which can differ from traditional stick-built or brick homes. Given our humid subtropical climate and the active severe weather season, including the very real risk of damaging winds, hail, and tornadoes that Arkansas is known for, robust wind and hail coverage is non-negotiable. Folks living near Lee Creek or Mountain Fork Creek, or anywhere in Crawford County for that matter, also need to seriously consider flood insurance. We've seen the damages from past events in the broader county, and standard home policies just don't cover flood.
For our local businesses and employers, whether you're working at Cedarville Public Schools, Mercy Clinic Family Medicine - Cedarville, or running a shop like Alec's Asphalt Paving, River Valley Fencing, or Paschal Air, Plumbing & Electric, your insurance needs extend beyond personal lines. Workers' compensation is a must, and general liability protects against common risks. For those in healthcare or dealing with sensitive data, professional liability and cyber liability are becoming increasingly important. And for businesses relying on vehicles, being so close to I-40 and I-540 means commercial auto insurance is vital, not just for the daily commute but for protecting your assets on those busy roads.
The Cedarville economy & who needs coverage
The Cedarville, AR economy employs approximately 716 people. While specific local industry breakdowns are limited, the job base is relatively small and likely integrates with broader economic activities within Crawford County. Source: https://datausa.io/profile/geo/cedarville-ar/
Major employers & who's hiring in Cedarville
- Cedarville Public Schools — Education (hiring)
- Mercy Clinic Family Medicine - Cedarville — Healthcare
Local businesses in Cedarville
A few local businesses that make Cedarville what it is — independent of our agency.
- Alec's Asphalt Paving — Asphalt Paving Contractor
- River Valley Fencing — Fence Contractor
- Paschal Air, Plumbing & Electric — HVAC, Plumbing, Electrical Contractor
Local landmarks & geography
- Lee Creek — A major creek in the area, associated with Natural Dam and known for flooding, affecting flood insurance risk.
- Mountain Fork Creek — A creek that merges with Lee Creek at Natural Dam, contributing to flood risk in the area.
- Natural Dam — A significant natural rock dam where Mountain Fork Creek meets Lee Creek. NOAA reported flooding near Cedarville related to AR Highway 59 and Natural Dam, indicating flood risk.
- Ozark National Forest — Cedarville is on its southern edge, which can influence property values, recreational activity, and potential wildfire risk in adjacent areas.
- Arkansas Highway 59 — A primary state highway running through Cedarville. NOAA reported flooding on AR Highway 59 near Natural Dam and Cedarville, indicating traffic disruption and flood risk.
- Arkansas Highway 162 — A state highway intersecting in Cedarville, contributing to local traffic and accessibility.
- Arkansas Highway 220 — A state highway intersecting in Cedarville, contributing to local traffic and accessibility.
- Interstate 40 (I-40) — A major interstate highway near Fort Smith, AR (part of Cedarville's MSA), impacting regional transportation, commerce, and potentially traffic-related risks for properties near access points.
Housing stock in Cedarville
The median housing value in Cedarville, AR is $168,800. The housing stock includes manufactured homes, as indicated by listings. Specific data on the typical age of homes, prevalence of brick or frame construction, or the existence of distinct historic districts or new subdivisions was not readily available through direct search. The presence of manufactured homes generally implies a lower replacement cost compared to traditional stick-built or brick homes. Source: https://www.bestplaces.net/housing/city/arkansas/cedarville, https://homenation.com/state/arkansas/city/cedarville
Weather & flood risk in Cedarville
Cedarville, AR, located in Crawford County, is subject to a humid subtropical climate with an active severe weather season, including a risk of damaging winds, hail, and tornadoes, with the state of Arkansas ranking among the highest for significant tornado occurrences.
While specific FEMA flood maps for Cedarville, AR, were not directly accessible, the broader Crawford County area, including nearby Van Buren, has experienced significant flooding, with local levee districts and past events causing substantial damages, indicating a notable flood risk for properties within the region.
Local facts that affect Cedarville insurance
- The most recent significant hail and wind damage spotted in Cedarville, AR, occurred on Tuesday, April 28, 2026. — Specific historical severe weather event.
- Crawford County, where Cedarville is located, has filed disaster emergency proclamations due to past floods, with reported damages around $1 million from specific events. — Historical flood impact and official recognition of flood events in the county.
- Arkansas ranks 8th among US states for the occurrence of EF3 or greater tornadoes per 1000 square miles, indicating a high regional risk for powerful tornadoes. — Contextualizes the regional tornado threat affecting Cedarville.
Get covered in Cedarville
We're an independent agency — we compare 69+ carriers to fit Cedarville's risks to your budget. See Cedarville, AR insurance & get a quote → or call 573-594-5148.
Sources: en.wikipedia.org · interactivehailmaps.com · arkansasonline.com · weather.gov · cedarvilleschools.org · solvhealth.com · en.wikipedia.org · landingaday.wordpress.com · weather.gov · encyclopediaofarkansas.net · en.wikipedia.org · city-data.com · textileinfomedia.com · manta.com · glassdoor.com · amnhealthcare.com