Published May 31, 2026 · 40 years in trucking & the trades
What we cover in O'Fallon
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in O'Fallon choose a local agent
When you're in O'Fallon, St. Charles 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 O'Fallon: the local picture
O'Fallon's 91,316 residents live mostly in owner-occupied homes built around 1999, and the area's severe hail history (272 reports within 10 miles since 2004, hail up to 4 inches, plus the May 11, 2016 storm that dropped 2.5-inch hail on the city) makes replacement-cost roof and auto comprehensive coverage essential here. Properties near Dardenne Creek sit in FEMA Zone AE, so separate flood coverage matters given St. Charles County's nearly 10,000 NFIP claims and $151.8M in payouts since 1978. Large finance employers like Citi (2,300+ staff) and Mastercard plus local manufacturers such as True Manufacturing also create steady demand for commuter auto, higher-value homeowners, and commercial/workers'-comp lines.
Population: 91,316 (2020)
Major local employers & who's hiring
- Cooperative Home Care — care services
- One Seed Church — church
- Crazy Uncle Joe's Warehouse — shopping
Local O'Fallon businesses
A few businesses that call O'Fallon home — independent of our agency.
- Cooperative Home Care — ag-commercial
- One Seed Church — ag-commercial
- QuikTrip — c-store
- Howdy Gas Mart — c-store
- Conoco — c-store
- Phillips 66 — c-store
- Phillips — c-store
- Hucks — c-store
- Midwest Petroleum — c-store
- MotoMart Convenience Stores — c-store
- First Community Credit Union — financial
- Regions Bank — financial
Local facts that shape your coverage
- O'Fallon's 2020 census population was 91,316, making it the most populous municipality in St. Charles County and the 7th-most populous city in Missouri. — A large, growing suburban base means high demand for home, auto, and renters policies; rapid growth affects replacement-cost and rebuild estimates.
- Citi operates two O'Fallon campuses with more than 2,300 employees, ranking among the top 5 largest employers in St. Charles County, and Mastercard also maintains a major O'Fallon operation. — A large white-collar finance/tech workforce drives commuter auto coverage, higher-value homes, and a market for employee benefits and group/commercial lines.
- Manufacturers in O'Fallon include True Manufacturing, WB Industries (metal fabrication for aviation, automotive, defense), AFB International, and Drug Package. — Industrial employers need commercial property, general liability, workers' compensation, and commercial auto/fleet coverage.
- There have been 272 hail reports within 10 miles of O'Fallon since 2004, the largest measuring 4.00 inches (grapefruit-sized). — Frequent severe hail makes roof, siding, and vehicle hail damage a core homeowners and auto-comprehensive claim driver; supports recommending replacement-cost roof coverage.
- O'Fallon faces flood risk from Dardenne Creek; common FEMA designations in the city include high-risk Zone AE and lower-risk Zone X. — Homes and businesses near Dardenne Creek may need separate NFIP/private flood coverage since standard homeowners policies exclude flood.
- St. Charles County has recorded 9,993 NFIP flood insurance claims since 1978 totaling $151.8M in payouts, and NOAA logged 51 flood events since 1996 causing $26.3M in damage. — A documented county flood-loss history underscores real flood exposure for property owners in low-lying O'Fallon areas.
- O'Fallon's median home construction year is 1999, and 81.3% of occupied housing units are owner-occupied (18.7% renter-occupied) out of roughly 37,524 units; 2024 median property value was $326,200. — A largely owner-occupied, late-1990s-to-2000s housing stock points to strong homeowners demand, aging-roof considerations, and a smaller but real renters/landlord market.
Local figures compiled from public sources: en.wikipedia.org · jobs.citi.com · selectofallon.com · stormersite.com · weather.gov · fludzone.com. 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.
O'Fallon, MO insurance — common questions
How much does insurance cost in O'Fallon, MO?
Rates in O'Fallon and St. Charles 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 O'Fallon?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving O'Fallon and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in O'Fallon 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.