Tina, 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 Tina, Missouri — the real employers, geography, housing, and weather that shape your coverage, from a licensed local agent who shops 80+ carriers.
Insurance in Tina: a local agent's take
Living here in Tina, you know our community is built on agriculture and the hard work of local businesses. For our neighbors running places like Farmers Cooperative, Tina Livestock Market LLC, or even the Crowe Cafe, it's not just about standard business insurance. We're talking specialized farm policies that cover equipment, crops, and livestock, alongside general liability and property insurance to protect their operations. And for Crowley Plumbing and Heating Inc, commercial auto and workers' comp are just as vital as their general liability, ensuring they're covered whether they're on a job or at their shop. When it comes to our homes, most of us live in single-unit detached houses, and mobile homes are also a significant part of our housing stock. With an average home value around $141,937 and many older frame homes, making sure your homeowner's policy has adequate replacement cost coverage is crucial. We've seen our share of severe weather, with 33 warnings in the last year and hail detected 38 times, including 5 recently. That means robust roof coverage and comprehensive auto insurance for hail damage aren't just good ideas; they're necessities to protect what we've worked for. And let's not forget the Grand River nearby and the flood risk many properties in Tina face. Standard homeowner's policies don't cover floods, so looking into a separate flood insurance policy is a smart move. Resources like First Street Foundation can help you understand your specific property's risk, which is important because, as FEMA reminds us, every area has some level of flood exposure. It's about protecting our families and our futures here in Tina.
The Tina economy & who needs coverage
The local job base in Tina, a small village in rural Carroll County, Missouri, is primarily agricultural and supported by small local businesses. In 2022, Carroll County had a median household income of $59,101. (Source: https://datausa.io/profile/geo/carroll-county-mo)
Major employers & who's hiring in Tina
- Tina-Avalon R-II School District — Education (hiring)
- Farmers Cooperative — Agriculture
- Tina Livestock Market LLC — Agriculture/Livestock
- Crowe Cafe — Food Service
Local businesses in Tina
A few local businesses that make Tina what it is — independent of our agency.
- Crowley Plumbing and Heating Inc — Plumbing, HVAC
- Tina Livestock Market LLC — Farms
Local landmarks & geography
- Grand River — Proximity to the Grand River valley indicates a potential for flood risk for properties located within the floodplain.
Housing stock in Tina
The housing stock in Tina, reflective of Carroll County, largely consists of 1-unit detached homes (80.5%) and a notable percentage of mobile homes (10.6%). The average home value in Tina was reported as $141,937. There is no indication of historic districts or new subdivisions in Tina. Replacement costs and roof considerations would likely align with older, predominantly frame or mixed-material single-family homes. (Source: https://www.infoplease.com/us/census/missouri/carroll-county/housing-statistics, https://www.zillow.com/home-values/41243/tina-mo/)
Weather & flood risk in Tina
Tina, MO experiences a moderate risk of severe weather, with 33 severe weather warnings issued in the past 12 months. Doppler radar has detected hail near the area 38 times, including 5 instances in the last year, although no on-the-ground hail reports by trained spotters were recorded.
Properties in Tina, MO have an assessed flood risk, with resources available from First Street Foundation to access high-resolution, interactive flood maps and understand specific property risks, even though FEMA notes all areas carry some level of flood risk.
Local facts that affect Tina insurance
- The population of Tina, Missouri, was 139 according to the 2020 census. — General demographic information.
- The Tina, MO area has been under severe weather warnings 33 times during the past 12 months. — Indicates frequent exposure to severe weather alerts.
- Doppler radar has detected hail at or near Tina, MO on 38 occasions, including 5 occasions during the past year. — Highlights the presence of hail events in the vicinity.
- First Street Foundation provides high-resolution, interactive flood maps and climate risk reports for properties in Tina, MO. — Direct resource for assessing specific flood risk.
- As of recent estimates, the village of Tina, MO, has a population of 177 residents. — Population size can influence local insurance markets, community risk profiles, and the availability of certain services.
Get covered in Tina
We're an independent agency — we compare 80+ carriers to fit Tina's risks to your budget. See Tina, MO insurance & get a quote → or call 573-594-5148.
Sources: en.wikipedia.org · interactivehailmaps.com · firststreet.org · censusreporter.org · tinaavalon.k12.mo.us · us-business.info · tinalivestockmarket.com · grokipedia.com