Oxford, 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 Oxford, Arkansas — the real employers, geography, housing, and weather that shape your coverage, from a licensed local agent who shops 80+ carriers.
Insurance in Oxford: a local agent's take
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.
The Oxford economy & who needs coverage
The local job base for Oxford is not specifically detailed in available public records. At the Izard County level, the economy employs 4.36k people, with high-paying industries including Information, Real Estate & Rental & Leasing, and Transportation & Warehousing. (Source: https://datausa.io/profile/geo/izard-county-ar?redirect=true)
Major employers & who's hiring in Oxford
- Izard County Consolidated School District — Education
- Signworkx — Manufacturing (Miscellaneous)
Local businesses in Oxford
A few local businesses that make Oxford what it is — 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.
Housing stock 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/)
Weather & flood risk in Oxford
Oxford, AR, located in Izard County, is susceptible to severe weather, including tornadoes, as evidenced by a recent EF-2 tornado in the county. The region is part of a broader area in Arkansas prone to hazardous weather events.
Oxford, AR faces flood risk, and residents can consult FEMA's Flood Map Service Center for official flood insurance rate maps. The area receives an average annual rainfall of approximately 50.1 inches, contributing to potential flood hazards.
Local facts that affect Oxford insurance
- 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.
Get covered in Oxford
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Sources: encyclopediaofarkansas.net · katv.com · weather.gov · en.wikipedia.org · worldweatheronline.com · hailtrace.com · en.wikipedia.org · siclists.com · ruralvacantland.com · btobers.com