Published July 16, 2026 · 40 years in trucking & the trades
What we cover in Freistatt
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Freistatt choose a local agent
When you're in Freistatt, Lawrence 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 Freistatt: the local picture
Living here in Freistatt, we know our homes are often older, with the average house built in 1968. That means many of us are living in homes that might need updates to their roofs, plumbing, and electrical systems. With 82.2% single-family homes and a significant 15.1% in manufactured homes, replacement costs can vary widely. Given our weather—we've seen our share of severe thunderstorms, hail, and tornadoes, far more than the state or national average—it's critical to make sure your homeowners or mobile home policy isn't just basic coverage. You need to verify your dwelling coverage reflects current replacement costs, not just market value, and that your roof coverage is robust, ideally for full replacement, not just depreciated value. Don't forget about personal property coverage for everything inside, especially with those strong winds we get.
While specific flood risk maps for Freistatt aren't always easy to pin down, we know Missouri has floodplains, and general flood risk is always a concern in rural areas. Remember, flood insurance is separate from your standard homeowner's policy, and it's something worth discussing, even if you think you're not in a high-risk zone. Economically, many of us either work in our local small businesses, in agriculture, or commute to bigger employers nearby like the Freistatt R-II School District, or to Monett for Tyson Foods and Monett Metals, Inc., or even to Cox Monett Hospital or Mercy Hospital Aurora. For those of us commuting, having solid auto insurance is a must, covering not just liability but also comprehensive and collision for our own vehicles, especially with the deer and unpredictable weather.
As your local agent, my advice is always the same: let's sit down and review your policies regularly. Our town has its unique charms and challenges, and your insurance should reflect that. We need to make sure your coverage is keeping up with the age of your home, the value of your belongings, and the severe weather we consistently face, so you're truly protected when it counts.
Population: 180 (2020)
Housing in Freistatt
The local housing stock in Freistatt has an average year built of 1968. It is predominantly composed of single-family homes (82.2%), with a notable portion of manufactured homes (15.1%), and a small percentage of multi-family homes (2.7%). There is no indication of a prominent historic district or new subdivisions. The typical age suggests that many homes may require updates to systems and roofs, impacting replacement costs. The presence of mobile homes generally implies a lower replacement cost compared to traditional construction. (Source: https://www.zip-codes.com/zip-code/65654/zip-code-65654.asp)
Major local employers & who's hiring
- Freistatt R-II School District — Education
- Cox Monett Hospital — Healthcare hiring
- Mercy Hospital Aurora — Healthcare hiring
- Mt Vernon Place Care Center, Inc. — Healthcare (Nursing Home) hiring
- Tyson Foods — Food Processing / Agriculture hiring
- Monett Metals, Inc. — Manufacturing (Primary Metal Manufacturing) hiring
Local landmarks & geography
- General Flood Risk — The village of Freistatt is subject to flood watch alerts, indicating a general susceptibility to flooding from rainfall, which can impact property insurance coverage for flood damage.
Local facts that shape your coverage
- Freistatt is a village in Lawrence County, Missouri, with a population of 163 as of the 2010 census. — Population data for the town.
- Historical tornado activity in the Freistatt area is 82% greater than the overall U.S. average. — Highlights a significant weather hazard.
- An EF-1 tornado touched down three miles south of Freistatt in Lawrence County on April 29, 2023. — Demonstrates recent severe weather impact.
- Missouri, as a state, experiences frequent hail activity, particularly during peak seasons in central regions. — Indicates a general risk of hail for the area.
- The population of Freistatt, Missouri was 163 as of the 2010 Census. — Provides context for the size and density of the community, impacting claims frequency and local resources.
- Manufactured homes comprise 15.1% of the housing stock in Freistatt, MO. — Highlights a specific housing type that requires specialized insurance considerations, often with different replacement cost valuations and coverage options compared to traditional stick-built homes.
Local figures compiled from public sources: worldpopulationreview.com · en.wikipedia.org · city-data.com · fourstateshomepage.com · chaseday.com · zip-codes.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.
Freistatt, MO insurance — common questions
How much does insurance cost in Freistatt, MO?
Rates in Freistatt and Lawrence 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 Freistatt?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Freistatt and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Freistatt 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.