Published July 1, 2026 · 40 years in trucking & the trades
What we cover in Frankford
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Frankford choose a local agent
When you're in Frankford, Pike 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 Frankford: the local picture
Frankford is a small farming town of 343 (2020 Census) inside a major row-crop and livestock county, so the real coverage needs run to farm and ranch policies, machine-shed and outbuilding structures, farm equipment, and workers' comp for ag and livestock labor rather than urban commercial lines. The area's documented tornado record is one of weak (EF0) storms — the April 15, 2011 EF0 east of Frankford destroyed three machine sheds — which argues for adequate outbuilding and farm-structure limits and windstorm/hail coverage. With an aging, slowly shrinking housing stock (down from a 1910 peak of 793 residents to just 171 housing units by 2010), replacement-cost gaps on older homes and landlord/dwelling policies on rentals are worth reviewing.
Population: 343 (2020)
Local Frankford businesses
A few businesses that call Frankford home — independent of our agency.
- Frankford Farm Supply Inc — ag-commercial
- Haden's Motorsports — main-street
- United States Postal Service — main-street
- The Frankford Room — main-street
Local facts that shape your coverage
- Frankford's population was 343 at the 2020 Census, in Pike County, Missouri. — A very small rural market; personal lines (home, auto, farm) and small-commercial dominate over urban commercial risk.
- Frankford's population peaked at 793 in 1910 and has declined long-term; the 2010 Census counted 171 housing units. — An older, aging housing stock raises replacement-cost and older-roof/system concerns for homeowners and landlord/dwelling coverage.
- NWS St. Louis records weak (EF0) tornadoes in the Frankford area in 2011: an April 15, 2011 EF0 that touched down about 1.9 miles east of Frankford and destroyed three machine sheds along a ~1.4-mile path, and a February 27, 2011 EF0 that caused roughly 2.3 miles of tree damage; no injuries occurred. — Supports adequate farm-structure/outbuilding limits and windstorm-hail coverage; damage skews to sheds and trees rather than fatalities.
- Per the USDA 2022 Census of Agriculture, Pike County's leading crops are soybeans (95,109 acres) and corn for grain (48,439 acres), with a livestock inventory of 29,426 cattle and calves and 42,385 hogs and pigs. — Confirms a farm-and-ranch economy driving demand for farm property, equipment, livestock and ag workers' comp coverage.
- Frankford is a small Pike County town (pop. ~486) whose in-town employers are Frankford Elementary School (part of the Bowling Green R-I School District) and a Dollar General at 34209 Dupont Blvd (opened 2024, staffing roughly 6-10 people); most residents commute to larger employers in nearby Hannibal and Bowling Green, including Hannibal Regional Healthcare System, Blessing Health System, Quincy Medical Group, Walmart, and County Market. — Names the real in-town employers (school district, Dollar General) plus the regional hub employers Frankford residents actually commute to, so the insurance page reflects the true local/commuter economy for a town this size.
- Frankford is home to Frankford Farm Supply Inc and Frankford Farms LLC, established local agricultural businesses that anchor the town's farm-and-ag-retail economy alongside Frankford Elementary School, a 4Runner dealership, a Dollar General, and several other local businesses. — An agricultural supply and farming operation base drives demand for farm/ranch policies, commercial property, farm-equipment and outbuilding coverage, commercial auto/trucking, and workers-compensation - core BNW lines.
Local figures compiled from public sources: en.wikipedia.org · weather.gov · nass.usda.gov · en.wikipedia.org · indeed.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.
Frankford, MO insurance — common questions
How much does insurance cost in Frankford, MO?
Rates in Frankford and Pike 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 Frankford?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Frankford and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Frankford 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.