Published June 25, 2026 · 40 years in trucking & the trades
What we cover in Paris
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Paris choose a local agent
When you're in Paris, Monroe 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 Paris: the local picture
Paris, MO sits on the Salt River bottoms where spring hail and straight-line winds roll off the Mark Twain Lake basin and US-24, so property owners here need a carrier that won’t blink at repeated wind/hail claims. Local manufacturing at American Woodmark’s Paris plant means you’ve got a steady commercial property book—those large metal roofs and loading docks are magnets for hail damage, so insist on agreed amount coverage and ordinance & law endorsements that keep pace with Monroe County’s patchwork building codes after flood events. On the personal side, the Paris R-II School District and Moulton Therapy anchor steady payrolls, but their older brick buildings along Main Street and near the Monroe County Courthouse are prime candidates for flood and sewer backup endorsements; FEMA’s NFIP still prices flood here based on 1993-era maps, but flashy summer thunderstorms can drop 3 inches in an hour and overwhelm the old tile drains on East Cherry Street. Homeowners who bought in the low-lying 500-year floodplain behind the courthouse tell me their insurers lowballed them after the 2015 event—push flood endorsements that reimburse temporary living expenses up to 18 months, not the standard 12. And don’t forget inland marine for the county’s antique storefronts on the Business 24 bypass; hail and sudden downbursts from the lake can flip a $12k storefront sign into a projectile faster than you can say “Missouri wind.”
Population: 1161 (2020)
Housing in Paris
Mid-19th to early 20th century frame and brick homes dominate the core; a smaller share of post-1970 frame and manufactured units are found on the periphery. No formal historic district is designated, so replacement cost is generally driven by standard market conditions rather than landmark rules. https://en.wikipedia.org/wiki/Paris,_Missouri
Major local employers & who's hiring
- Wade Feed — shopping
- MFA Oil Petro-Card 24 — gas station
Local Paris businesses
A few businesses that call Paris home — independent of our agency.
- MFA Oil Petro-Card 24 — ag-commercial
- Shell — c-store
- Casey's — c-store
- TPNB Bank — financial
- Regional Missouri Bank — financial
- LibertyX Bitcoin ATM — financial
- Dos Arcos — main-street
- Paris Hardware and Supply — main-street
- Benjamin Moore — main-street
Local landmarks & geography
- Salt River — Primary waterway affecting flood risk in Paris and Monroe County; low-lying areas along the river and its floodplain are prone to inundation during heavy rain and snowmelt, increasing property and casualty insurance exposure for flood damage.
- Monroe County Courthouse (Paris, MO) — Historic domed courthouse (1912) in downtown Paris; concentration of older masonry and commercial buildings in Main Street area increases wind/hail and replacement-cost risk for insurers covering historic district properties.
- Main Street (Paris, MO) — Historic commercial district with older building stock along US 24 Business; susceptibility to wind/hail damage and higher repair costs due to historic construction and material availability; potential business interruption risk in flood events if river overflows nearby low-lying zones.
- Mark Twain Lake (adjacent state park lands) — Large reservoir and surrounding Mark Twain State Park (20+ miles east); downstream effects on Salt River hydrology and flood attenuation; wind-driven wave action on lake can affect adjacent properties and recreational exposures.
- US Route 24 (US 24 Business and bypass) — Major transportation corridor through and around Paris; exposure to traffic accidents, liability risks for insurers, and potential business interruption during closures due to flooding or severe weather.
- Monroe County Health Department and Home Health Agencies (Paris, MO) — Major local employer providing healthcare services; workforce concentration and facility continuity are relevant for workers compensation and business interruption underwriting.
Local facts that shape your coverage
- Monroe County, where Paris is located, experienced catastrophic flooding during the 1993 Great Flood, with total damages exceeding $15 billion nationally and at least 13 deaths in Missouri. — Context for long-term flood risk and historical severity in the region.
- From 2015 through 2019, 80% of Missouri’s 50 flood-related deaths occurred during flash flooding, often involving vehicles in low-lying areas. — Highlights the human risk factor and common scenario for fatal flood incidents in Missouri.
- First Street’s flood risk model for ZIP 64075 (Paris) indicates current and future flood exposure, with interactive maps showing property-level risk levels and prevention methods. — Provides localized, property-specific flood risk data for Paris, MO.
- Six inches of moving water can knock a person off their feet, and MODOT advises extreme caution when driving or walking in flood-susceptible areas. — Emphasizes the immediate physical danger posed by even shallow floodwaters.
- FEMA’s NFIP still uses 1993-era Flood Insurance Rate Maps for Paris, MO, leaving many properties underrated for current flash-flood risk from Mark Twain Lake and Salt River tributaries. — Agents should recommend private flood quotes or Letter of Map Amendment (LOMA) reviews for clients outside the mapped 100-year floodplain but still subject to overland sheet flow.
- NOAA Storm Prediction Center regional climatology shows Monroe County, MO, has a 6% annual chance of severe hail ≥1 inch, concentrated in April–June, with the highest risk corridor running east of US-63 toward US-24 in Paris. — Agents should prioritize hail-resistant roofing endorsements and actual cash value endorsements for commercial and residential policies during renewal season.
Local figures compiled from public sources: en.wikipedia.org · weather.gov · sema.dps.mo.gov · firststreet.org · modot.org · fema.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.
Paris, MO insurance — common questions
How much does insurance cost in Paris, MO?
Rates in Paris and Monroe 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 Paris?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Paris and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Paris 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.