Published July 6, 2026 · 40 years in trucking & the trades
What we cover in Perry
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Perry choose a local agent
When you're in Perry, Ralls 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 Perry: the local picture
Perry is a small rural community of 665 in southwest Ralls County, near Mark Twain Lake. Wind, hail, and flash flooding are the main property risks — Ralls County has logged 12 tornadoes through 2013 (including a deadly 1876 F4 and a 2003 F3) and was part of the September 2008 disaster declaration tied to the remnants of Hurricane Ike. Proximity to Mark Twain Lake and the Salt River adds demand for boat, RV, and seasonal/second-home coverage.
Population: 665 (2020)
Major local employers & who's hiring
- 4 Quarter Processing — wholesaler
Local Perry businesses
A few businesses that call Perry home — independent of our agency.
- Nutrien Ag Solutions — ag-commercial
- Conoco — c-store
- Casey's — c-store
- Sinclair Gas Station — c-store
- HNB Bank — financial
- Finish Line Ltd — main-street
- NAPA Auto Parts - Thomas Auto Parts — main-street
- Perry Machine & Die — main-street
- 4 Quarter Processing — main-street
- La Crosse Lumber Co. — main-street
- Cannon Dam Cabins — main-street
- Lake Country Gardens, LLC — main-street
Local facts that shape your coverage
- Perry's population was 665 at the 2020 census; the town covers about 1.38 sq mi of land in Ralls County at 728 ft elevation, and is part of the Hannibal Micropolitan Statistical Area. — Small, rural market — agents win on home/auto/farm bundles and personal service, not volume.
- Perry had 436 housing units recorded at the 2010 census. — Older, small housing stock means replacement-cost gaps and dwelling-value reviews matter for home and landlord policies.
- The National Weather Service has recorded 12 tornadoes in Ralls County (through Jan 1, 2013), including a deadly F4 on March 10, 1876, an F3 with a 14.5-mile path on May 10, 2003, and an F2 near Clarence Cannon Dam on April 2, 2006 that damaged businesses and a camper dealership. — Documents real tornado/wind exposure — supports wind/hail deductible discussions and adequate dwelling limits.
- Ralls County was included in the Missouri federal disaster declaration (DR-1809) for the September 2008 severe weather event — high winds, hail, tornadoes, and flooding tied to a stationary front and the remnants of Hurricane Ike. — Confirms recurring hail and flood/flash-flood losses that drive home, auto, and flood coverage needs.
- The Clarence Cannon Dam impounds the Salt River in Ralls County to create the ~18,600-acre Mark Twain Lake, a major recreation reservoir near Perry offering boating, fishing, and camping; the dam also provides downstream flood control. — Nearby lake and river mean strong demand for boat, RV/camper, and seasonal/second-home coverage, plus flood exposure in the Salt River bottoms.
- Perry itself is a small farm town whose in-town employers are the Dollar General on Highway 154, the local grain/ag operations, and the Ralls County R-II School District (Mark Twain High School and Ralls County Elementary), which serves the Perry area; most working residents commute to larger employers in nearby hubs — Vandalia (Standard Wellness cannabis, County Market, Ace Hardware, and the Missouri DOC Women's correctional center staffed in part by Centurion Health), Mexico, Hannibal (Quikrete, Good Day Farm, Hannibal Regional), Columbia (University of Missouri Health Care), and the GM assembly plant in Wentzville. — Names the real local anchors (Dollar General, the school district, grain/ag) plus the commuter-hub employers Perry-area households actually work for, which is who a BNW local insurance page should speak to.
Local figures compiled from public sources: en.wikipedia.org · weather.gov · sema.dps.mo.gov · en.wikipedia.org · census.gov · indeed.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.
Perry, MO insurance — common questions
How much does insurance cost in Perry, MO?
Rates in Perry and Ralls 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 Perry?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Perry and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Perry 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.