Published July 27, 2026 · 40 years in trucking & the trades
What we cover in Fairfax
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Fairfax choose a local agent
When you're in Fairfax, Atchison 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 Fairfax: the local picture
Population: 648 (2020)
Housing in Fairfax
However, given the town's founding in 1881, it is reasonable to infer a significant portion of the housing stock consists of older, likely frame homes, with a mix of newer constructions, potentially including manufactured homes. Older homes would imply consideration for roof replacement and general maintenance in replacement cost calculations, though specific data is absent.
Major local employers & who's hiring
- Fairfax R-III School District — Education
- Community Hospital - Fairfax — Healthcare hiring
- MFA Agri Service — Agriculture hiring
Local Fairfax businesses
A few businesses that call Fairfax home — independent of our agency.
- Homeland Roofing LLC — Roofing Contractor
- Ma & Pa Auto — Auto Repair
- Big Jeff Tree Service — Tree Trimming
Local landmarks & geography
- Tarkio River — Affects flood risk for properties in and near the floodplain.
Local facts that shape your coverage
- As of the 2020 census, the population of Fairfax, Missouri, was 648. — Provides fundamental demographic information for the town.
- Fairfax is located in Atchison County, Missouri, which is the northwesternmost county in the state. — Establishes the geographical context for weather and flood risks.
- Atchison County, Missouri, has a history of severe weather events, including a weak tornado near Tarkio in December 2015. — Highlights the county's susceptibility to tornadoes and other severe storms.
- Fairfax, MO, is routinely covered by severe weather alerts, such as severe thunderstorm warnings, indicating ongoing weather hazards. — Demonstrates the current and recurring nature of severe weather threats.
Local figures compiled from public sources: en.wikipedia.org · ncei.noaa.gov · wunderground.com · fairfaxk12mo.us · fairfaxmed.com · mfa-inc.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.
Fairfax, MO insurance — common questions
How much does insurance cost in Fairfax, MO?
Rates in Fairfax and Atchison 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 Fairfax?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Fairfax and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Fairfax 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.