Butterfield, 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 Butterfield, Missouri — the real employers, geography, housing, and weather that shape your coverage, from a licensed local agent who shops 80+ carriers.
Insurance in Butterfield: a local agent's take
Living here in Butterfield, we know our homes and businesses face unique challenges. With a median property value around $98,200 and a high homeownership rate, it's clear folks are invested in their properties. Our housing stock includes everything from single-detached homes to mobile homes, meaning it's crucial to have the right homeowners policy that matches your specific dwelling type and its true replacement cost, not just market value. Given the 69 radar-detected hail events and 52 severe weather warnings we've seen in the last year alone, a robust roof replacement clause and comprehensive coverage are non-negotiable to protect against the frequent storms rolling through.
The Butterfield economy & who needs coverage
The economy of Butterfield, MO employs 175 people. In 2024, the largest industries were Manufacturing (43 people), Retail Trade (31 people), and Health Care & Social Assistance (24 people). The highest paying industries included Agriculture, Forestry, Fishing & Hunting, & Mining ($53,542), and Transportation & Warehousing, & Utilities ($48,333). Source: https://datausa.io/profile/geo/butterfield-mo/
Major employers & who's hiring in Butterfield
- Cassville R-IV School District — Education (hiring)
- Royal W Resort — Hospitality/Lodging
- LOWES AUTO GLASS — Automotive
- Stumpff's Realty — Real Estate
- Toms Trading Post — Retail/General Merchandise
- PIZZA CHEF OF FORSYTH LLC — Food Service/Restaurant
Local businesses in Butterfield
A few local businesses that make Butterfield what it is — independent of our agency.
- Aire Serv — HVAC
- Allen Contracting Tree Service — Sod Installation, Tree Service
- BRB Tree Service — Tree Service
- 2E Tree Service — Tree Trimming Service
- Butterfield Excavation, LLC — Excavation Contractor
Local landmarks & geography
- Flat Creek — A significant creek in Barry County, which Butterfield is part of. Properties in its floodplain may face increased flood risk, impacting insurance coverage.
- Roaring River State Park — Located near Butterfield, its proximity can influence property values due to recreational amenities. Depending on specific location, properties bordering the park might also have considerations for wildfire risk or increased traffic/tourism.
Housing stock in Butterfield
In 2024, the median property value in Butterfield, MO was $98,200, and the homeownership rate was 78.6%. The average commute time was 29.8 minutes, with an average of 3 cars per household. Source: https://datausa.io/profile/geo/butterfield-mo/
Weather & flood risk in Butterfield
Butterfield, MO, faces a significant severe weather risk, particularly from hail, with 69 radar-detected hail events and 52 severe weather warnings reported in the last 12 months.
The town of Butterfield, MO, within ZIP code 64052, has documented flood risk information available and analyzed by the First Street Foundation.
Local facts that affect Butterfield insurance
- Butterfield, MO, had a population of 378 residents as of the 2020 census. — High
- The Butterfield, MO area has experienced 69 occasions of radar-detected hail, including 6 times in the past year, and has been under severe weather warnings 52 times during the past 12 months. — High
- Flood risk data for Butterfield, MO (ZIP code 64052) is provided and analyzed by the First Street Foundation. — High
- The Butterfield, MO area has experienced 69 radar-detected hail events and 52 severe weather warnings in the last 12 months. — Highlights a significant and frequent risk of property damage from hail, making comprehensive homeowners and commercial property insurance with strong hail coverage essential.
- Housing in Butterfield, MO features a variety of two and three-bedroom single detached homes alongside mobile homes. — Indicates a diverse housing landscape that requires tailored insurance solutions, including specific homeowners policies for traditional homes and mobile home insurance for manufactured housing, to ensure adequate coverage for different construction types and replacement costs.
Get covered in Butterfield
We're an independent agency — we compare 80+ carriers to fit Butterfield's risks to your budget. See Butterfield, MO insurance & get a quote → or call 573-594-5148.
Sources: datausa.io · en.wikipedia.org · interactivehailmaps.com · firststreet.org · remax.com · ky3.com · camping.org