Published July 30, 2026 · 40 years in trucking & the trades
What we cover in Fillmore
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Fillmore choose a local agent
When you're in Fillmore, Andrew 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 Fillmore: the local picture
Living here in Fillmore, you learn pretty quick that our homes, mostly built around '69, are sturdy but come with their own set of considerations. Those older wood-frame houses, likely with asphalt shingle roofs, mean replacement costs can be higher due to wear and tear and the need to meet modern building codes if you're doing a big repair. That's why having solid dwelling coverage, and making sure your roof is up to snuff with regular maintenance, is key. When a big storm rolls through, you want to be sure you're covered for the full cost of getting things back to normal, not just a depreciated value.
And storms? We get our share. Being in Northwest Missouri, we're no strangers to tornadoes, severe thunderstorms, and hail. I've seen firsthand what a good hail storm can do to a roof, or how strong winds can damage outbuildings. It's not just your home; your vehicles need robust comprehensive coverage too. And with Dillon Creek and the general flood risk in Andrew County, flood insurance isn't just a suggestion, it's a necessity. Homeowner's policies don't cover flood damage, so a separate flood policy, even for properties not in a high-risk zone, offers peace of mind. Businesses like Patterson Farms' Grain Center and Homeland Roofing LLC, along with local services such as Paschal Air, Plumbing & Electric, also need to consider robust property and liability coverage to protect their operations from these very real local threats.
The local economy, with its focus on manufacturing, retail, and healthcare, provides a stable base, but everyone here, whether a homeowner or a business owner, needs to be proactive about their insurance. It's about protecting what you've built against the unique challenges our Fillmore community faces from the weather and the age of our infrastructure. Knowing your policy and having the right endorsements can make all the difference when disaster strikes.
Population: 173 (2020)
Housing in Fillmore
The housing stock in Fillmore, MO, is relatively older, with a median year built for owner-occupied housing being 1969. This suggests a prevalence of older construction, likely wood-frame homes, which may imply standard asphalt shingle roofs. The age of the homes would generally lead to higher replacement costs for roofs and other components due to wear and tear and potential for outdated building codes. There is no specific information available regarding historic districts or new subdivisions. (Source: https://www.city-data.com/city/Fillmore-Missouri.html)
Major local employers & who's hiring
- Patterson Farms' Grain Center — Agriculture (Grain Storage and Management) hiring
Local Fillmore businesses
A few businesses that call Fillmore home — independent of our agency.
- Paschal Air, Plumbing & Electric — Plumbing, HVAC, Electrical Contractor
- Homeland Roofing LLC — Roofing Contractor
Local landmarks & geography
- Dillon Creek — Potential for flood risk and water damage for properties in floodplains or near the creek.
- Interstate 29 (I-29) — Proximity to a major interstate can affect property values, noise pollution, and potential for accidents involving commercial vehicles. It also impacts accessibility for emergency services.
- Missouri Western State University — While not directly in Fillmore, its proximity in St. Joseph (approx. 22-23 miles) may influence the local economy, rental market, and traffic patterns in the broader region.
Local facts that shape your coverage
- Missouri recorded approximately 400 hailstorms in 2023. — Provides context for hail risk in the state where Fillmore is located.
- Andrew County, MO, regularly experiences severe weather warnings, watches, and advisories issued by the NOAA National Weather Service. — Indicates ongoing exposure to severe weather threats for Fillmore and its surrounding area.
- Fillmore, Missouri, had a population of 173 as of the 2020 Census. — Population size can influence local infrastructure, emergency response capabilities, and the availability of certain insurance services or community support after a widespread event.
Local figures compiled from public sources: en.wikipedia.org · ypapublicadjusters.com · localconditions.com · metalconstructionnews.com · en.wikipedia.org · roadnow.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.
Fillmore, MO insurance — common questions
How much does insurance cost in Fillmore, MO?
Rates in Fillmore and Andrew 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 Fillmore?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Fillmore and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Fillmore 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.