Published July 17, 2026 · 40 years in trucking & the trades
What we cover in Hurley
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Hurley choose a local agent
When you're in Hurley, Stone 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 Hurley: the local picture
Living here in Hurley, we know all too well about the hailstorms that roll through Stone County. With Doppler radar picking up hail on 77 occasions and 47 severe weather warnings just last year, it's clear that robust roof coverage isn't just a suggestion—it's a necessity. You'll want to review your deductibles carefully and make sure your policy truly covers replacement cost, not just depreciated value. And for those of us driving around town, especially past the Hurley R-1 School District or heading to Singing River Medical Clinic, comprehensive auto coverage is just plain smart to protect against hail damage to our vehicles. Thank goodness for local folks like Homeland Roofing LLC when it comes time for repairs.
Our homes here in Hurley are a mix, from older frame houses to some brick and manufactured homes. With the average home value in Stone County sitting around $320,568, protecting that investment means having solid dwelling coverage. Beyond the structure itself, consider coverage for other structures on your property, like sheds or detached garages. When things go wrong—a pipe bursts, the AC quits—having reliable local businesses like Gary Jones Plumbing, Carlandson Plumbing and Heating, Summit Heating & Cooling, or Electrician Call is a blessing, but the cost of those repairs can add up fast without the right coverage for things like water damage or equipment breakdown.
In a tight-knit community like ours, whether you're visiting Drew's Mechanics Shop or just enjoying the peace near Spring Creek, personal liability coverage is always important. For our local businesses, from Hurley Excavation and Landscaping to the school district, having strong general liability is paramount in protecting their operations. While specific details on our historic downtown buildings are scarce, those properties often come with unique considerations for repair and replacement, highlighting the need for specialized coverage that understands the nuances of older construction.
Population: 176 (2020)
Housing in Hurley
Based on its rural setting and small population, the housing stock likely consists of a mix of older frame homes, some brick residences, and manufactured homes. The average home value in Stone County, which includes Hurley, was $320,568 as of a recent Zillow report (https://www.zillow.com/home-values/5244/hurley-mo/). Without more specific data, implications for replacement cost and roof type cannot be definitively stated beyond general knowledge that these costs vary significantly based on the specific characteristics of each property.
Major local employers & who's hiring
- Hurley R-1 School District — Education
- Singing River Medical Clinic – Hurley — Healthcare
- Drew's Mechanics Shop — Agricultural Services (Farm Equipment Wholesale/Repair)
Local Hurley businesses
A few businesses that call Hurley home — independent of our agency.
- Hurley Excavation and Landscaping — Excavation
- Summit Heating & Cooling — HVAC
- Queen City Heating & Cooling — HVAC
- Electrician Call — Electrical Contractor
- Rogers Landscape Supply — Tree Trimming
- Homeland Roofing LLC — Roofing
- Gary Jones Plumbing — Plumbing
- Carlandson Plumbing and Heating — Septic
Local landmarks & geography
- Spring Creek — A creek that historically powered Spring Creek Mill, indicating potential flood risk for properties located along its banks. The presence of a creek in a small town can lead to localized flooding during heavy rains.
- Historic Downtown/Buildings — Evidence from historic maps and postcards suggests the presence of a historic village center with older buildings. These properties may have unique construction, requiring specialized and potentially more expensive insurance for restoration or replacement due to age, materials, and historical preservation requirements.
Local facts that shape your coverage
- The population of Hurley, Missouri was 176 at the 2020 census. — General information about the town.
- The Hurley, MO area has had 77 occasions of hail detected by Doppler radar, including 5 occasions during the past year, and has been under severe weather warnings 47 times during the past 12 months. — Direct information about severe weather hazard.
- A study found that more than 280,000 properties in Missouri are at risk of flood damage, nearly twice the number estimated by the Federal Emergency Management Agency (FEMA). — Contextual information regarding flood risk in Missouri, relevant to Hurley, MO.
- Hurley, MO had a population of 176 as of the 2020 census. — Indicates a very small, close-knit community, which can influence local service availability and response times for claims, as well as the overall density of insurable properties.
Local figures compiled from public sources: en.wikipedia.org · interactivehailmaps.com · stlpr.org · hurleytigers.org · singingriverhealthsystem.com · farmranch.org. 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.
Hurley, MO insurance — common questions
How much does insurance cost in Hurley, MO?
Rates in Hurley and Stone 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 Hurley?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Hurley and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Hurley 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.