Published June 21, 2026 · 40 years in trucking & the trades
What we cover in Houston
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Houston choose a local agent
When you're in Houston, Texas 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 Houston: the local picture
Living in Houston, you know our weather can be a real handful. We're right in the path for severe storms, meaning tornadoes, hail, and damaging winds are a regular concern for homes and vehicles across Texas County. It's not just a possibility; it's a historical fact here. That’s why robust homeowners insurance with adequate wind and hail coverage, often with specific deductibles for these events, isn't a luxury – it's a necessity. Don't forget comprehensive auto coverage either; a hailstorm can total a car just as easily as a house, especially when you're navigating U.S. Route 63 or Missouri Route 17.
Our local economy, anchored by institutions like Texas County Memorial Hospital and the Houston R-1 School District, provides a stable, community-focused environment. For the folks working at these vital employers, ensuring personal lines like home and auto are tailored to our local risks is key. While specific housing details aren't widely published, it's common in our area to have a mix of older, established homes and newer builds. Regardless of age, making sure your replacement cost coverage truly reflects rebuilding costs, especially with today's material prices, is crucial for any property here, whether you're living near the Big Piney River or closer to Downtown Houston, MO.
Speaking of the Big Piney River, while specific flood risk scores aren't easily found, any community near a river in Missouri needs to be mindful of potential flooding, especially after heavy rains. Standard homeowners policies don't cover flood damage, so a separate flood insurance policy is a smart consideration for many residents, particularly those in lower-lying areas or close to the river. It’s about protecting your biggest investment from all the elements our beautiful, but sometimes wild, Missouri weather throws at us.
Population: 2079 (2020)
Major local employers & who's hiring
- Texas County Memorial Hospital — Healthcare hiring
- Houston R-1 School District — Education hiring
- US Cooperative Extension Services — government
- US Cooperative Extension Center — government
- Exceptional Child Cooperative — education
- Beasley Feed & Farm Supply — shopping
- MFA Agri Services — shopping
Local Houston businesses
A few businesses that call Houston home — independent of our agency.
- Exceptional Child Cooperative — ag-commercial
- MFA Agri Services — ag-commercial
- Shell — c-store
- Casey's — c-store
- Murphy USA — c-store
- The Gas Hole — c-store
- Progressive Ozark Bank — financial
- Bank of Houston — financial
- Simmons Bank — financial
- Security Bank of the Ozarks — financial
- LibertyX Bitcoin ATM — financial
- Great Southern Bank ATM — financial
Local landmarks & geography
- Big Piney River — Significant flood risk due to historical events, impacting properties near the river and potentially infrastructure like roads.
- Downtown Houston, MO — Older buildings may require specialized insurance due to historical construction methods, potential for higher renovation costs, and specific preservation guidelines. Property values in a vibrant downtown can also be a factor.
- Montauk State Park — Proximity to a state park can influence property values, potentially increasing demand for recreational properties. It also means properties might be closer to natural areas, affecting wildfire risk or other environmental factors.
- U.S. Route 63 — Major highways increase traffic, noise pollution, and potential for vehicular accidents, which can affect adjacent property values and liability insurance.
- Missouri Route 17 — Major highways increase traffic, noise pollution, and potential for vehicular accidents, which can affect adjacent property values and liability insurance.
Local facts that shape your coverage
- Houston is the county seat of Texas County, Missouri. — High
- As of the 2020 census, Texas County, Missouri, which includes Houston, had a population of 24,487 residents. — High
- Texas County, Missouri, has a history of severe weather events, including tornadoes, hail, and damaging winds, as documented by the National Weather Service. — High
- Texas County Memorial Hospital is a 66-bed primary care facility with locations in Houston, MO, and throughout Texas County, MO. — Major local employer and critical community service, impacting local economy and residents' insurance needs.
Local figures compiled from public sources: en.wikipedia.org · en.wikipedia.org · weather.gov · tcmh.org · indeed.com · houston.k12.mo.us. 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.
Houston, MO insurance — common questions
How much does insurance cost in Houston, MO?
Rates in Houston and Texas 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 Houston?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Houston and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Houston 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.