Published June 27, 2026 · 40 years in trucking & the trades
What we cover in New Franklin
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in New Franklin choose a local agent
When you're in New Franklin, Howard 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 New Franklin: the local picture
Population: 1027 (2020)
Housing in New Franklin
Housing stock is predominantly 19th- and early 20th-century frame and brick single-family homes, with some historic districts (e.g., New Franklin Commercial Historic District) and a modest number of newer ranch and manufactured homes on the periphery. Typical roof ages range roughly 15–50 years depending on material and upkeep; slate and metal roofs are rare and command premiums. Replacement costs for asphalt shingle roofs in the area are commonly in the $5–$11 per sq ft range (2026), so a typical 1,500–2,000 sq ft roof would run about $7,500–$22,000 installed.
Major local employers & who's hiring
- Pearson's Missouri Grain Elevator — ag-commercial
- MFA Oil Petro-Card 24 — gas station
Local New Franklin businesses
A few businesses that call New Franklin home — independent of our agency.
- Barnes Automotive — auto shop
- Casey's — restaurant
- MFA Oil Petro-Card 24 — ag-commercial
- LibertyX Bitcoin ATM — financial
- Buy Bitcoin — financial
- Missouri Street Automotive — main-street
- Miracle Coffee Cup — main-street
Local landmarks & geography
- Big Muddy River and Big Muddy Creek — Major surface water features increasing flood risk; Big Muddy River is a known flood-prone tributary to the Missouri River, and Big Muddy Creek runs through the area, contributing to localized flooding and drainage issues. Flood risk is a key insurance consideration for properties near these waterways.
- New Franklin Commercial Historic District (Downtown/New Franklin Downtown Historic District) — Historic downtown core with older buildings; historic districts can have higher replacement costs and may be subject to stricter building codes, affecting property insurance valuation and wind/hail risk.
- Missouri State Highway 5 (MO-5) — Runs through New Franklin; major state highway increasing traffic exposure and potential liability risks for commercial properties and local roads.
- Interstate 70 (I-70) — Located approximately 20 miles south of New Franklin; provides regional access, but also increases exposure to traffic accidents and liability claims for nearby properties.
- Howard County Courthouse and Government Complex — Central to the county seat functions; older infrastructure and high-value public buildings may drive higher property insurance premiums for nearby commercial and residential areas.
- New Franklin Municipal Airport (private/utility) — Small airport serving the area; increases liability and property risk for nearby insureds due to potential for aircraft accidents and additional emergency response needs.
Local facts that shape your coverage
- New Franklin is located in Howard County, which is identified by FEMA as having flood-prone areas along the Missouri River and its tributaries, with multiple flood events documented in recent decades. — Flood risk is directly tied to proximity to the Missouri River and its floodplain, affecting property and infrastructure in New Franklin.
- Severe thunderstorms in central Missouri are most common in spring and early summer, with a secondary peak in fall, producing wind, hail, and occasional tornadoes per NOAA’s Storm Prediction Center climatology. — Severe weather is a recurring hazard for New Franklin, with the highest risk period aligning with peak thunderstorm activity.
- Howard County Emergency Management coordinates with local, state, and federal agencies to respond to severe weather and flood events, as outlined in the county’s emergency operations plan. — Local emergency planning and coordination are critical for mitigating impacts from severe weather and flooding in New Franklin.
- The Missouri River has experienced significant flood events in 1993, 2011, and 2019, causing widespread inundation along its banks, including areas near New Franklin. — Historical flood events on the Missouri River highlight the ongoing flood risk to New Franklin and surrounding communities.
Local figures compiled from public sources: en.wikipedia.org · msc.fema.gov · spc.noaa.gov · howardcountymo.gov · en.wikipedia.org · en.wikipedia.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.
New Franklin, MO insurance — common questions
How much does insurance cost in New Franklin, MO?
Rates in New Franklin and Howard 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 New Franklin?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving New Franklin and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in New Franklin 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.