Published July 1, 2026 · 40 years in trucking & the trades
What we cover in Odessa
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Odessa choose a local agent
When you're in Odessa, 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 Odessa: the local picture
Odessa, MO, experiences typical Midwestern severe weather risks, including tornadoes and hail, which necessitates robust property and casualty insurance. Additionally, state-level flood risk assessments suggest a broader exposure to flood events than previously understood, emphasizing the need for specific flood insurance policies for residents and businesses. The local economy, driven by manufacturing, retail, and healthcare, indicates a demand for diverse commercial insurance products tailored to these industries.
Population: 5593 (2020)
Major local employers & who's hiring
- MFA Agri Service Elevator — ag-commercial
- MFA Agri Service — shopping
Local Odessa businesses
A few businesses that call Odessa home — independent of our agency.
- MFA Agri Service — ag-commercial
- Valero Odessa Liquor and Food Mart — c-store
- Casey's — c-store
- Phillips 66 — c-store
- Sinclair Gas Station — c-store
- Whistle Stop — c-store
- Shell — c-store
- BP — c-store
- Central Bank — financial
- Bank of Odessa — financial
- Concordia Bank — financial
- Athena Bitcoin ATM — financial
Local facts that shape your coverage
- Odessa, Missouri had a population of 5,593 in 2020. — Population density and growth influence insurance needs and market size.
- The largest industries by employment in Odessa, MO are Manufacturing (17.5%), Retail Trade (15.5%), and Health Care & Social Assistance (12.6%). — Indicates types of commercial insurance needed (e.g., general liability, property, workers' comp for manufacturing, retail, healthcare facilities).
- Lafayette County, MO, where Odessa is located, has experienced tornado events. — High risk for property damage from wind and hail, necessitating comprehensive property insurance coverage.
- Studies by the First Street Foundation indicate that Missouri has more flood-prone properties than estimated by FEMA, suggesting a potentially elevated flood risk across the state. — Highlights the importance of flood insurance, which is typically separate from standard property policies.
Local figures compiled from public sources: en.wikipedia.org · datausa.io · weather.gov · stlpr.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.
Odessa, MO insurance — common questions
How much does insurance cost in Odessa, MO?
Rates in Odessa 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 Odessa?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Odessa and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Odessa 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.