Spickard, 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 Spickard, Missouri — the real employers, geography, housing, and weather that shape your coverage, from a licensed local agent who shops 80+ carriers.
Insurance in Spickard: a local agent's take
As a local in Grundy County, I know Spickard is a small town on the Weldon River, and that brings its own set of insurance considerations. For homeowners here, protecting your most valuable asset is paramount. While specific housing details can vary, a good homeowners policy should offer robust protection against common perils in our rural setting. For any small businesses operating in Spickard, whether they're supporting the local economy or serving our community, commercial property and general liability insurance are foundational to protect against unforeseen events and claims, ensuring the continuity of operations in our close-knit community.
Living in Missouri means we're no stranger to severe weather, and Spickard is certainly exposed to its share of storms. This makes comprehensive property coverage, including adequate roof protection, a critical consideration for both homes and businesses. With the Weldon River nearby, and knowing that flood risks across Missouri can be higher than often estimated, it's wise for residents and business owners alike to consider flood insurance. Water damage can be devastating, and a separate flood policy is often the only way to safeguard against this particular risk, keeping our community resilient.
The Spickard economy & who needs coverage
The economy of Spickard, MO employs 74 people. Local government is a common employer. Source: https://datausa.io/profile/geo/spickard-mo/, https://www.city-data.com/city/Spickard-Missouri.html
Major employers & who's hiring in Spickard
- Spickard R-II School District — Education (hiring)
- University of Missouri Thompson Farm — Agriculture, Research (hiring)
- Coon Manufacturing Inc — Manufacturing (hiring)
- Wright Memorial Hospital — Healthcare (hiring)
Local businesses in Spickard
A few local businesses that make Spickard what it is — independent of our agency.
- Homeland Roofing LLC — Roofing Contractor
Local landmarks & geography
- Weldon River — Proximity to the Weldon River could increase flood risk for properties located in its floodplain.
- Historic Downtown/District — None identified in search results.
- State Park — None identified in search results.
- Interstate — No interstate highway runs directly through Spickard, MO.
- University — No university is located directly within Spickard, MO. Truman State University (54 miles away) and North Central Missouri College (in Trenton) are nearby.
- Major Plant — No major industrial plant or large employer identified in search results for Spickard, MO.
Housing stock in Spickard
Most residents own their homes, and the area has a suburban rural mix feel. Given its size and rural nature, housing is likely a mix of older, traditional frame homes and potentially some manufactured housing. Without specific age data, it's difficult to estimate direct replacement costs, but older homes generally incur higher maintenance and potential replacement costs for roofs and other systems. Source: https://www.niche.com/places-to-live/spickard-grundy-mo/
Weather & flood risk in Spickard
Spickard, MO is subject to severe weather, notably hail, with Doppler radar detecting 61 hail occurrences at or near the town, including two within the last year, indicating a consistent risk of hail damage.
Flood risk in Spickard, MO, as part of Missouri, may be higher than official FEMA estimates, with a First Street Foundation study suggesting nearly double the number of flood-prone properties statewide, implying a notable susceptibility to flood damage.
Local facts that affect Spickard insurance
- The population of Spickard, Missouri was 222 at the 2020 census. — Provides basic demographic information for the town.
- Doppler radar has detected hail at or near Spickard, MO on 61 occasions, including 2 occasions during the past year. — Direct evidence of severe weather, specifically hail, affecting the town.
- A nationwide study by the First Street Foundation found that more than 280,000 properties in Missouri are at risk of flood damage, nearly twice the number estimated by the Federal Emergency Management Agency (FEMA). — Highlights a potentially underestimated flood risk for properties in Missouri, applicable to Spickard.
- Spickard is a city on the Weldon River in Grundy County, Missouri. — Proximity to a river can influence flood risk and is a key geographical feature.
- The population of Spickard was 222 at the 2020 census. — Population size can influence community resources and indirectly, insurance risk profiles.
Get covered in Spickard
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Sources: data.census.gov · en.wikipedia.org · interactivehailmaps.com · stlpr.org · spickard.k12.mo.us · erecruit.umsystem.edu · coonmfginc.com · city-data.com