Published July 14, 2026 · 40 years in trucking & the trades
What we cover in Clark
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Clark choose a local agent
When you're in Clark, Randolph 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 Clark: the local picture
Living and working in Clark, MO, you know our economy relies heavily on local small businesses and the surrounding agricultural community. For folks running operations like the heating and air conditioning services listed by the Better Business Bureau, or the local AmeriGas propane distribution, robust commercial general liability and property insurance are non-negotiable. Farm owners in the area need specialized farm and ranch policies to cover their unique assets, from barns and equipment to crops and livestock. Given that a significant portion of our housing stock predates 2000, and manufactured homes are common, homeowners here should carefully review their policies. Older homes might benefit from guaranteed replacement cost coverage, while manufactured home policies have their own specific considerations to ensure adequate protection against perils. Our location in Randolph County means we're no strangers to Missouri weather. While Clark's tornado activity is just above the national average, the memory of that F4 tornado near us in 2006 is a stark reminder to ensure your home and business policies include comprehensive wind and hail coverage. And with many residents commuting to places like Moberly, perhaps for Moberly Area Community College, or utilizing major routes like US-63 and MO-22, having appropriate auto insurance with sufficient liability limits is just common sense for protecting your family and assets on the road.
Population: 254 (2020)
Housing in Clark
As a small rural community, the housing stock likely comprises a mix of older frame homes and some manufactured residences, with individual properties rather than distinct historic districts or large new subdivisions.
Local landmarks & geography
- Rock Bridge Memorial State Park — Proximity to a state park can enhance property values due to recreational opportunities and natural beauty, potentially increasing desirability for homes nearby.
- U.S. Route 63 (US-63) — Major highway providing regional transportation access, which can influence property values (e.g., commercial proximity, noise levels, ease of access) and traffic-related risks.
- Missouri Route 22 (MO-22) — State route providing local and regional access, impacting property values along the route and local traffic patterns.
- Moberly Area Community College (MACC) — A regional community college located in Moberly, MO, approximately 15 miles from Clark, MO. Its proximity can influence the local economy, rental market (due to student housing demand), and provide educational opportunities for residents.
Local facts that shape your coverage
- Clark, Missouri is a city located in Randolph County, Missouri. — Location and administrative context.
- As of the 2020 census, the population of Clark, Missouri was 254. — Basic demographic information for the town.
- Historical tornado activity in the Clark area is below the Missouri state average but 1% greater than the overall U.S. average, including an F4 tornado 14.6 miles from the city center on March 12, 2006. — Specific severe weather hazard information for the area.
- A study by the First Street Foundation found that over 280,000 properties in Missouri are at risk of flood damage, nearly twice the number estimated by FEMA, indicating a higher flood risk across the state. — Contextual flood risk for Missouri, relevant to Randolph County where Clark is located.
- Housing stock in Clark, MO, is predominantly older, with only 4.3% of units built after 2000. — Indicates a need for specific older home coverages and potentially different valuation methods for insurance.
- Clark's historical tornado activity is 1% greater than the overall U.S. average, including an F4 tornado 14.6 miles away on March 12, 2006. — Highlights the critical need for robust wind and hail coverage within property insurance policies.
Local figures compiled from public sources: en.wikipedia.org · city-data.com · stlpr.org · gaiagps.com · communitycollegereview.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.
Clark, MO insurance — common questions
How much does insurance cost in Clark, MO?
Rates in Clark and Randolph 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 Clark?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Clark and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Clark 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.