Published June 30, 2026 · 40 years in trucking & the trades
What we cover in Camdenton
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Camdenton choose a local agent
When you're in Camdenton, Camden 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 Camdenton: the local picture
Living here in Camdenton, nestled by the Lower Niangua arm of the Lake of the Ozarks, means our insurance needs are as diverse as our community. We've got a real mix of homes, from traditional stick-built houses to plenty of manufactured homes, some built as recently as 2015. This means a one-size-fits-all policy just won't cut it. Homeowners need to pay close attention to their dwelling coverage to ensure replacement costs are accurate, especially with the varying roof types. For our manufactured home owners, specialized policies are often key to getting the right protection for their unique structures and potential risks.
Our local economy, with major employers like Modine Manufacturing Co., Dawson Metal Products Camdenton Facility #2, and ITW EAE, alongside vital services from Central Ozarks Medical Center and the Camdenton R-III School District, means commercial insurance is a big deal. These businesses need robust property, general liability, and workers' compensation coverage to protect their operations and employees. Beyond the big players, the Lake of the Ozarks drives a strong tourism and service industry, supporting numerous smaller local businesses that also need tailored commercial policies to thrive.
Now, let's talk weather. We're in the Midwest, so tornadoes are a real threat here in Camden County, making high deductibles for wind and hail damage a common consideration for homeowners. Beyond the wind, we face wildfire risk, and with the Lake of the Ozarks right on our doorstep, flood insurance isn't just a suggestion—it's essential. Standard homeowners policies don't cover flooding, and with heavy rainfall or elevated lake levels, properties near the water are particularly vulnerable. Understanding these local risks and ensuring you have the right coverage is crucial for peace of mind.
Population: 3960 (2020)
Housing in Camdenton
Camdenton's housing stock includes both single-family residences and manufactured homes. While a typical age for all housing is not explicitly stated, examples show manufactured homes built as recently as 2015, suggesting a mix of ages. The presence of manufactured homes indicates that replacement costs and roof types can vary significantly compared to traditional stick-built homes. (Source: https://www.zillow.com/homedetails/788-Santee-Trl-Camdenton-MO-65020/2064231455_zpid/, https://www.trulia.com/home/29-tunnel-dam-rd-camdenton-mo-65020-218034249)
Major local employers & who's hiring
- Central Ozarks Medical Center — Healthcare hiring
- Camdenton R-III School District — Education hiring
- B & M Manufacturing — Manufacturing hiring
- Lake Regional Health System — Healthcare hiring
- Modine Manufacturing Co. — Manufacturing hiring
- Camdenton Condo on the water - Grill, balcony and elevator access — ag-commercial
- 3 bedroom Lakeview Condo, first floor near elevator — ag-commercial
- 3 bed condo, Lochaven, elevator, close to the pool at the 31 mm - best COVE! — ag-commercial
Local Camdenton businesses
A few businesses that call Camdenton home — independent of our agency.
- M&D Mechanical, LLC — HVAC Contractor
- Baker Air Conditioning & Heating — HVAC Contractor
- JW Building Solutions — Roofing Contractor
- Falco Metal Roofing — Roofing Contractor
- Hensley Roofing — Roofing Contractor
- Blair Land Clearing LLC — Excavation Contractor
- Dynamic Demolition — Demolition/Excavation Contractor
- Colt Tree Service — Tree Trimming Service
- JC Lawn & Landscaping Service LLC — Lawn Care / Landscaping
- Gonzales Tree Service — Lawn Care / Tree Service
- Ozarkland — Gift Shop
- Camdenton Feed Seed and Supply — ag-commercial
Local landmarks & geography
- Lake of the Ozarks (Lower Niangua arm) — Significant flood risk for properties near the lake, especially given Ameren Missouri's practice of lowering lake levels in winter, which implies managed but present flood potential during other seasons or in extreme weather.
- Ha Ha Tonka State Park — Located on the Lake of the Ozarks, this park with its geological features and castle ruins could be subject to wind damage (to structures and natural features) and potential wildfire risk in dry conditions. Its lakeside location also ties into flood risk.
- US Highway 54 — A major highway passing through Camdenton, contributing to traffic volume and associated accident risks for properties bordering or near the highway.
- Dawson Metal Products Camdenton Facility #2 — Identified as a Superfund site of interest due to past TCE contamination and a fire in 1972. This indicates environmental liability risks and potential for property value impact due to historical contamination.
- ITW EAE (formerly Electrovert) Manufacturing Facility — A large manufacturing plant in Camdenton. Industrial facilities pose risks such as fire, machinery breakdown, and potential environmental impact, which can affect property and liability insurance for the facility itself and surrounding properties.
Local facts that shape your coverage
- Over 500 acres have burned in wildfires within Camden County, Missouri, leading to a declared state of emergency by the County Commission. — High
- Missouri has a history of significant tornado activity, including the Tri-State tornado, which passed through parts of the state. — Medium
- Camdenton, MO, is subject to flood watches, indicating a potential for flooding events. — High
- Camden County, MO, has experienced 124 tornadoes since 1950, with 12 fatalities and 100 injuries reported. — High tornado frequency in Camden County directly impacts homeowners' insurance considerations for wind and hail damage.
- Camden County, MO, has a moderate wildfire risk, with an estimated 20% of properties having some level of risk. — Wildfire risk, though potentially lower than other perils, is an important consideration for property insurance, especially for homes near wooded areas.
Local figures compiled from public sources: en.wikipedia.org · fox2now.com · en.wikipedia.org · weather.com · tornadopath.com · firststreet.org. 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.
Camdenton, MO insurance — common questions
How much does insurance cost in Camdenton, MO?
Rates in Camdenton and Camden 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 Camdenton?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Camdenton and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Camdenton 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.