Published June 20, 2026 · 40 years in trucking & the trades
What we cover in Pacific
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Pacific choose a local agent
When you're in Pacific, Franklin 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 Pacific: the local picture
Pacific sits on the Meramec River about 30 miles southwest of St. Louis along I-44 and has flooded repeatedly — major floods in December 2015 and again in May 2017, when the river crested at a record 36.52 ft — so any home, landlord, or commercial property near the river needs a standalone NFIP or private flood policy checked against the FEMA Flood Insurance Rate Maps that took effect June 5, 2020 (standard homeowners policies exclude flood). The town's U.S. Silica sand-mining operation and I-44 logistics position support commercial property, general liability, workers' compensation, and commercial auto/trucking exposure, while the Meramec riverfront and the adjacent Pacific Palisades Conservation Area drive demand for boat, watercraft, RV, and seasonal/secondary-property coverage.
Population: 7,414 (2020)
Major local employers & who's hiring
- Pacific Feed & Supply — store
Local Pacific businesses
A few businesses that call Pacific home — independent of our agency.
- Tractor Supply Co. — ag-commercial
- Pilot Travel Center — c-store
- bp — c-store
- On the Run — c-store
- MotoMart Convenience Stores — c-store
- Mobil — c-store
- Phillips 66 — c-store
- Citizens Bank — financial
- First State Community Bank — financial
- Bank Star — financial
- All-Star Transportation Inc — trucking
- Pittman Performance LLC — main-street
Local facts that shape your coverage
- Pacific had a population of 7,414 at the 2020 census, straddling the Franklin/St. Louis County line about 30 miles southwest of St. Louis along I-44. — Small-town, metro-adjacent base shapes the mix of personal home/auto and commercial accounts the agency should target.
- The Meramec River at Pacific produced major flooding in both December 2015 and May 2017; the May 2017 crest of 36.52 ft broke a more-than-100-year record by about three feet. — Demonstrates severe, repeat flood risk; standard homeowners policies exclude flood, so NFIP/private flood is essential for river-adjacent property.
- FEMA published new Flood Insurance Rate Maps for the City of Pacific (and other areas in Franklin County) that became effective June 5, 2020. — Updated flood zones change who is mapped into a Special Flood Hazard Area and what flood premiums/requirements apply — a direct cross-sell and compliance trigger.
- U.S. Silica operates a silica sand mine and processing plant in Pacific, mining high-purity (98.8%) whole-grain silica sand from the St. Peter Formation. — Mining/industrial employer base drives commercial property, general liability, workers' compensation, and commercial auto/trucking insurance needs.
- The Meramec River runs through the Pacific area, which is bordered on the southeast by the Pacific Palisades Conservation Area. — River and conservation-area recreation supports demand for boat, watercraft, RV, and seasonal/secondary-property coverage in addition to flood.
- The City of Pacific maintains a dedicated Meramec River Flooding Resource Page for residents tracking flood events. — Confirms flooding is a recurring, officially recognized local hazard — credible local context for flood-coverage education and outreach.
Local figures compiled from public sources: en.wikipedia.org · pacificmo.gov · pacificmo.gov · stltoday.com · ussilica.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.
Pacific, MO insurance — common questions
How much does insurance cost in Pacific, MO?
Rates in Pacific and Franklin 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 Pacific?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Pacific and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Pacific 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.