Insurance in Carrollton, MO

What we cover in Carrollton

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Insurance in Carrollton: the local picture

Living here in Carrollton, you know our homes have character, especially those beautiful older places in the Carrollton Heights Historic District. With many built between 1910 and 1960, they often feature traditional frame construction and unique roof materials. This isn't just charm; it means replacement costs can be higher if something happens. And something often does, right? We've seen our share of severe weather, particularly hail. Interactive Hail Maps shows we've had 6 reports of on-the-ground hail and 38 severe weather warnings in the last year alone. That's why solid homeowners insurance with adequate dwelling coverage, and maybe even a specific roof endorsement, isn't just a suggestion—it's a necessity to protect your investment from those unpredictable Missouri storms. Don't skimp on your deductibles here, folks.

Population: 3150 (2024)

Housing in Carrollton

Carrollton features a historic district with homes around the town square largely unchanged since their construction. The Carrollton Heights Historic District contains Craftsman bungalows, Mid-century Modern, Tudor, and Ranch-style homes dating from 1910 to 1960. This older housing stock suggests a prevalence of traditional frame construction, and potentially more complex or historically accurate roof materials, which could lead to higher replacement costs. (Sources: https://carrollcountyhistory.org/PDFs/HD_GUIDE_Final.pdf, https://carrolltonrealestateinsider.com/neighborhoods/carrollton-heights-historic/)

Major local employers & who's hiring

• Carrollton R-VII School District — Education hiring
• CHS (Carrollton Elevator) — Agriculture/Grain Processing hiring
• Carroll County Memorial Hospital — Healthcare hiring
• MFA Oil — shopping
• Show Me Ethanol LLC — office
• Lock Pallet & Warehouse — warehouse
• Carrollton City Warehouse — government

Local Carrollton businesses

A few businesses that call Carrollton home — independent of our agency.

• Homeland Roofing LLC — Roofing Contractor
• Eckard's Home Improvement — Home Improvement / Flooring
• MFA Oil — ag-commercial
• Show Me Ethanol LLC — manufacturing
• Conoco On The Go — c-store
• Cenex — c-store
• Sinclair Gas Station — c-store
• Carroll County Trust Company — financial
• Bank 21 — financial
• BTC Bank — financial
• LibertyX Bitcoin ATM — financial
• Coinme Cash - Buy Bitcoin at the Register — financial

Local landmarks & geography

• Wakenda River — Significant flood risk for properties near the river due to historical flooding events.
• Missouri River Basin — Carrollton is located within the upper Missouri River basin, an area prone to significant flooding, affecting regional flood insurance considerations.
• Carrollton Square Historic District — Properties within this district may have higher historic value and specific architectural considerations, potentially impacting replacement costs and requiring specialized historic property insurance.
• US Route 24 — A major highway passing through Carrollton, influencing property accessibility, commercial value, and potential for traffic-related incidents.
• US Route 65 — A major highway in the region, concurrent with US 24 at Waverly and serving the area, influencing property accessibility and commercial viability.
• Tornado Risk — Carrollton, MO is subject to severe weather warnings, including tornadoes, increasing the risk of wind damage for properties.
• Industrial/Commercial Businesses (General) — Presence of a variety of businesses and industrial activities indicates economic stability and commercial property values, though no single 'major plant' was identified by name. This affects business interruption and commercial property insurance.
• Flood Risk (General via First Street Foundation context)

Local facts that shape your coverage

• The Carrollton, MO area has recorded 6 on-the-ground hail reports by trained spotters and was under severe weather warnings 38 times in the last 12 months. — High
• Doppler radar has detected hail at or near Carrollton, MO on 43 occasions, including 2 times during the past year. — High
• A single overnight event dumped approximately nine inches of rain on Carrollton, Missouri, causing widespread flooding throughout the town. — High
• Carrollton, MO receives severe weather warnings, watches, and advisories, including those for flash floods, directly from the National Weather Service. — Medium
• The 2024 population of Carrollton, MO is 3,145. — Population size impacts local infrastructure, claims frequency, and the overall insurance market dynamics, indicating a smaller, close-knit community.
• The median property value in Carrollton, MO in 2024 is $110,200. — This figure is crucial for determining appropriate dwelling coverage limits for homeowners insurance, ensuring properties are adequately insured against total loss.

Local figures compiled from public sources: datausa.io · interactivehailmaps.com · youtube.com · localconditions.com · trojans.k12.mo.us · chs-mo.org. Estimates — verify current details with the original source.

📄 Read the full Carrollton insurance guide →

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.

Carrollton, MO insurance — common questions

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