Brashear, MO 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 Brashear, Missouri — the real employers, geography, housing, and weather that shape your coverage, from a licensed local agent who shops 80+ carriers.
Insurance in Brashear: a local agent's take
Living here in Brashear, we know all too well that our weather can be a real handful. With Hog Branch and the North Fork of the Salt River nearby, and those regular storm systems rolling through Adair County, folks need to be serious about their property coverage. We've seen our share of hail and wind damage, so robust roof coverage and comprehensive policies are essential. And with FEMA and the First Street Foundation both flagging flood risks, especially for properties near the water, flood insurance isn't just a suggestion—it's a necessity for protecting your biggest asset. Don't wait until the water's at your door to think about it.
Our homes, many with values clustering around the $80,000-$90,000 mark and a high homeownership rate, represent significant investments for our families. Whether you're working for the Brashear R-II School District, or in one of our local businesses like those in retail or manufacturing, protecting your home and any small business ventures is paramount. Standard homeowners policies are a start, but considering the age of some properties here, it's wise to review coverage for older systems, potential liability, and personal property, especially for those who might have home-based businesses.
Ultimately, whether you're a long-time resident or new to our community, understanding the specific risks we face in Brashear is key to smart insurance planning. From protecting against the next big storm to ensuring your family's financial security, having the right coverage in place provides peace of mind. Let's make sure your policy truly fits our Brashear life.
The Brashear economy & who needs coverage
The economy of Brashear, MO, employs 97 people. The largest industries in Brashear include Retail Trade, Health Care & Social Assistance, and Manufacturing. The highest paying industries are Public Administration, Manufacturing, and Retail Trade.
Major employers & who's hiring in Brashear
- Brashear R-II School District — Education
Local businesses in Brashear
A few local businesses that make Brashear what it is — independent of our agency.
- Hydro Jetting in Brashear, MO — Plumbing
- Electrician in Brashear, MO — Electrical Contractor
- Brashear, MO Tree Trimming Service — Tree Trimming
- Homeland Roofing LLC — Roofing Contractor
Local landmarks & geography
- Hog Branch — A creek in the community, contributing to flood risk. Mentioned in the context of the community lying on it, one mile east of the North Fork of the Salt River.
- North Fork of the Salt River — A river located one mile west of Hog Branch, contributing to flood risk in the area.
- Truman State University — A university located approximately 12 miles away in Kirksville, MO, with a full-time enrollment of 5,553. While not directly in Brashear, its proximity can influence local economy, housing demand, and potentially traffic patterns in the broader region.
Housing stock in Brashear
In Brashear, MO, the median property value was $82,900 in 2022. The homeownership rate was 85.9%, which is higher than the national average. The largest share of households had property values in the $80,000 to $89,999 range.
Weather & flood risk in Brashear
Brashear, MO experiences severe weather events, notably hail and wind damage, with a significant recorded hail event as recent as March 2026, indicating a susceptibility to impactful storms.
Brashear, MO has an assessed flood risk, with the First Street Foundation identifying properties at risk of flooding. Federal Emergency Management Agency (FEMA) has also made proposed flood hazard determinations for the area.
Local facts that affect Brashear insurance
- The top recent hail date for Brashear, MO was Thursday, March 5, 2026, with hail and wind damage spotted near the city. — High
- The First Street Foundation provides a flood map and climate risk report for Brashear, MO, detailing properties at risk of flooding. — High
- The Federal Emergency Management Agency (FEMA) has issued proposed flood hazard determinations, including for Brashear, MO, indicating official assessment of flood risks in the town. — High
- As of the 2020 census, Brashear, Missouri had a population of 235. — Low
- The population of Brashear, MO was 235 at the 2020 census. — Provides demographic context for the community and its insurance needs.
- In 2022, the median property value in Brashear, MO was $82,900, with the largest share of households having property values in the $80,000 to $89,999 range. — Highlights the typical value of homes to be insured, indicating average coverage needs.
Get covered in Brashear
We're an independent agency — we compare 80+ carriers to fit Brashear's risks to your budget. See Brashear, MO insurance & get a quote → or call 573-594-5148.
Sources: datausa.io · interactivehailmaps.com · firststreet.org · regulations.justia.com · en.wikipedia.org · listingsus.com · city-data.com