Published June 14, 2026 · 40 years in trucking & the trades
What we cover in Lexington
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Lexington choose a local agent
When you're in Lexington, Lafayette 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 Lexington: the local picture
Living here in Lexington, you know our homes tell a story. With a median age of 50 years, many houses here are built with traditional materials that can be more costly to replace today. That means your dwelling coverage needs to be accurately set to reflect current replacement costs, especially for roofs and other structural components. When those spring thunderstorms roll in, often bringing large hail, or if we get one of those historical tornadoes, those older roofs and structures take a beating. And with the Missouri River right there, and a history of FEMA flood claims in our 64075 zip code, flood insurance isn't just a good idea—it's essential and separate from your standard homeowner’s policy. We’ve seen firsthand how water can devastate a property, so don't leave yourself exposed.
Our local economy is diverse, from the folks at Lafayette Regional Health Center and the Lexington R-V School District to the City of Lexington itself. Each of these employers, along with our vital local businesses like Homeland Roofing LLC, Almeida's Tree Services, and The River Reader & Coffee Shop, needs robust commercial insurance. This includes general liability to protect against everyday risks, workers' compensation for their employees, and specialized coverage like commercial auto for businesses operating along US Route 24 and Missouri Route 13. For service providers like Summit Heating and Cooling or UrbanValve Works, professional liability can also be critical.
Ultimately, whether you're protecting your family home or your livelihood, understanding the unique risks of Lexington is key. From ensuring your homeowner's policy adequately covers an older property against severe weather, to securing separate flood insurance, to making sure our local businesses have the right liability and property protections, it’s all about being prepared for what life throws at us here in Lafayette County.
Population: 4659 (2020)
Housing in Lexington
The housing stock in Lexington is relatively older, with a median age of 50 years, indicating a prevalence of mature homes likely constructed with traditional frame or brick. This older housing stock may lead to higher replacement costs for roofs and other structural components due to age and potential for outdated materials. Source: https://www.areavibes.com/lexington-mo/housing/
Major local employers & who's hiring
- Lexington R-V School District — Education Actively hiring
- Lafayette Regional Health Center — Healthcare Actively hiring
- City of Lexington, MO — Public Administration
- The FEED HOUSE — food
- River Valley MFA Lexington — services
- MFA Oil Petro-Card 24 — gas station
- MFA Oil — shopping
Local Lexington businesses
A few businesses that call Lexington home — independent of our agency.
- Almeida's Tree Services — Tree Services
- 2E Tree Service — Tree Trimming
- Homeland Roofing LLC — Roofing Contractor
- Hensley Roofing — Roofing Contractor
- UrbanValve Works — Plumbing
- Summit Heating and Cooling — HVAC Services
- Fahrmeier Farms — Farm
- The River Reader & Coffee Shop — Bookstore/Coffee Shop
- The FEED HOUSE — ag-commercial
- My Country Seeds — ag-commercial
- River Valley MFA Lexington — ag-commercial
- MFA Oil Petro-Card 24 — ag-commercial
Local landmarks & geography
- Missouri River — Affects flood coverage due to its history of devastating floods (1993, 2011, 2019). Properties in or near floodplains require flood insurance.
- Historic Downtown Lexington — Properties within this area, especially those individually listed on the National Register of Historic Places (like the Glenn House or George Johnson House), often have higher reconstruction costs due to requirements for historical accuracy, specific materials, and skilled labor. This impacts property and builder's risk insurance.
- Battle of Lexington State Historic Site — As a historic site, properties nearby might have restrictions on modifications due to historical preservation. It's also a tourist attraction, potentially increasing traffic in the area. The site itself (Anderson House) shows damage from the battle (bullet holes), indicating the value of historic preservation for insurance.
- US Route 24 and Missouri Route 13 (and nearby Interstate 70) — Major highways increase traffic volume, potentially leading to a higher risk of vehicular accidents affecting properties along these routes. Commercial properties might see increased exposure due to delivery and customer traffic. Proximity to I-70 offers transportation access, which can influence property values and commercial activity.
- Wentworth Military Academy and College (closed 2017) — While historically significant, it closed in 2017 and therefore no longer impacts current insurance risk as an operating educational institution. Its former campus may represent a large vacant property, which could have different insurance considerations (e.g., vandalism, lack of maintenance).
Local facts that shape your coverage
- Lexington, MO, is covered by severe weather alerts, indicating its susceptibility to adverse weather conditions. — High
- Properties in Lexington, MO (zip code 64075) have flood risk data available from the First Street Foundation, confirming a recognized flood risk for the area. — High
- Lexington, MO, has historical flood claims data and FEMA flood zone designations, contributing to a flood risk score of 81/100 and 1 violation on ZipCheckup. — High
Local figures compiled from public sources: worldpopulationreview.com · wunderground.com · firststreet.org · zipcheckup.com · lexr5.org · lexingtonmo.gov. 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.
Lexington, MO insurance — common questions
How much does insurance cost in Lexington, MO?
Rates in Lexington and Lafayette 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 Lexington?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Lexington and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Lexington 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.