Published July 25, 2026 · 40 years in trucking & the trades
What we cover in Annapolis
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Annapolis choose a local agent
When you're in Annapolis, Iron County, you get a real person who knows MO — not a 1-800 menu. Billy E. Whited is a licensed local agent shopping 80+ carriers to fit your home, vehicle, farm, or business, and can quote, bind, or sit down with you in person, over Zoom, or on the phone.
Nearby towns we also cover:
Insurance in Annapolis: the local picture
Living here in Annapolis, we know firsthand that Mother Nature keeps us on our toes. With Big Creek and the St. Francis River nearby, and especially the Black River, flood insurance isn't just a suggestion; it's a necessity. We've seen the Black River reach record levels, and folks here have dealt with plenty of flood incidents. Beyond the water, we're in an area prone to severe storms, tornadoes, and high winds. That means robust home and business property coverage, including strong wind and hail protection, is critical. Businesses like Homeland Roofing LLC and Local Electrical Pros are often swamped after a big storm, showing just how often these events impact our community.
Our small town, with a population of 250, has its unique needs. The Annapolis R-II School District and Missouri Highlands Health Care (Annapolis Clinic) are cornerstones of our community, and their property and liability coverage needs are paramount to keep essential services running. While specific housing stock details can be tough to pin down, many homes here are older, which can mean different considerations for plumbing, electrical, and structural integrity that a good policy needs to address. The historical context of Iron County being part of the Lead Belt region also hints at older infrastructure that might have specific insurance implications.
Beyond individual homes, our local businesses, like Summit Heating and Cooling, also need comprehensive coverage to protect their assets and operations from the same weather risks that impact residents. Even Sam A. Baker State Park, a beautiful local landmark, reminds us of the natural elements we live with, and the potential for recreational liabilities. For everyone in Annapolis, understanding and securing coverage that truly reflects our local risks – from the river's rise to a sudden twister – is the smartest move.
Population: 250 (2020)
Major local employers & who's hiring
- Missouri Highlands Health Care (Annapolis Clinic) — Healthcare
- Annapolis R-II School District — Education
Local Annapolis businesses
A few businesses that call Annapolis home — independent of our agency.
- Summit Heating and Cooling — HVAC
- Homeland Roofing LLC — Roofing Contractor
- Local Electrical Pros — Electrical Contractor
Local landmarks & geography
- Big Creek — A local creek that has caused flooding in Annapolis, MO, affecting local roads and bridges. This indicates a flood risk for properties near the creek.
- St. Francis River — A river in the region, identified as a 'staple to the area' near Sam A. Baker State Park, implying potential flood risk for properties in its vicinity.
- Sam A. Baker State Park — A large state park in the Saint Francois Mountains region. Proximity to a state park can influence property values, potentially increasing them due to recreational amenities and scenic views.
Local facts that shape your coverage
- Annapolis, MO has recorded 18 incidents categorized as 'Storms' as natural disaster causes. — Severe Weather
- There have been 14 recorded flood incidents in Annapolis, MO. — Flood Risk
- The Black River at Annapolis has reached record high levels, with one forecast predicting a crest above 28 feet. — Flood Risk
- Annapolis, MO has experienced 14 tornado incidents, indicating a risk of tornadic activity. — Severe Weather
- The population of Annapolis, Missouri was 250 at the 2020 census. — Indicates a very small, rural community, which can influence local resources and insurance market dynamics.
- The Black River near Annapolis has reached minor flood stage, with water levels affecting access on County Road 372. — Directly confirms the ongoing and specific flood risk for the area, highlighting the critical need for flood insurance.
Local figures compiled from public sources: en.wikipedia.org · city-data.com · foxweather.com · follownews.com · mohigh.org · samabaker.com. Estimates — verify current details with the original source.
Insurance requirements in Missouri
Missouri is an at-fault (tort) state: every driver must carry liability insurance, and Missouri also requires uninsured-motorist coverage — which matters because not everyone on the road is insured. Missouri sits in a hail- and tornado-prone corridor, so wind/hail protection and your roof's condition weigh heavily for homeowners and farm owners. As an independent agency we shop multiple carriers to fit Missouri's rules and weather to your budget. Verify current state minimums with the Missouri Department of Commerce & Insurance.
Annapolis, MO insurance — common questions
How much does insurance cost in Annapolis, MO?
Rates in Annapolis and Iron County depend on your home, vehicles, business, and the coverage you choose. As an independent agency we shop 80+ carriers to find your best price — start a quote or call 573-594-5148 for a real number.
Do you write insurance in Annapolis?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Annapolis and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Annapolis today?
Absolutely. You can buy simple lines online in minutes, or book a quick consult — in person, over Zoom, or by phone — and we'll get you covered fast.