Published June 23, 2026 · 40 years in trucking & the trades
What we cover in Purdy
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Purdy choose a local agent
When you're in Purdy, Barry 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 Purdy: the local picture
Purdy sits where the Ozark foothills meet Little Sugar Creek and US‑60’s logistics spine, so what keeps locals up at night isn’t just tornado season—it’s making sure the shop floor at Purdy Plastics doesn’t flood and the family farm down Little Sugar Creek stays insurable. Homeowners here buy flood policies through the NFIP not because they’re scared of a 100‑year flood map line, but because FEMA’s current MSC shows that even moderate rain can push Little Sugar Creek out of its banks and into basements along the creek and the low swales off Historic Downtown Purdy. That’s why NFIP flood coverage and a private excess flood quote are standard add‑ons for any mortgage or refinance in the floodway fringe mapped by FEMA MSC for Purdy Township. On the property side, the housing stock is older and mixed—ranch homes from the 1970s on slab sit next to newer manufactured homes on piers—so sinkhole and foundation endorsements are common. With Barry County’s karst geology and decades‑old septic systems still in use, endorsements for sewer backup and sinkhole are as routine as the windshield hail claims that roll in after spring supercells.
Commercial lines here skew toward the light‑manufacturing and food‑processing employers clustered near US‑60’s intermodal pull‑offs—think Purdy Plastics and the regional warehouses—so business owners stack property with equipment breakdown, spoilage coverage tied to power outage sensors, and inland marine for just‑in‑time plastics molding tooling. The local trades—PaschalAir, Davis & Son HVAC & Plumbing, Spears Septic and Excavation—all run Class 8 commercial auto and inland marine inland transit for tools and equipment that bounce between Monett, Cassville, and Harrison, AR. Tree service outfits like Big Jeff and Missouri Tree Trimming Pros keep inland marine floaters for chippers and cranes that work county roads and subdivisions prone to windthrow after ice storms. On the workers’ comp side, Barry County’s injury frequency in manufacturing and roofing trades is slightly above state average, so carriers price for that with experience‑mod and safety group credits. Add a layer of excess liability umbrella quotes for any ag‑exposed landlord with rental homes near Little Sugar Creek, and the book writes itself.
Population: 1094 (2020)
Housing in Purdy
45 frame and brick Most homes built 1970–1990; roofs typically 15–25 years old and due for replacement within 5–10 years, increasing near-term repair/investment demand. No formal historic district; housing stock is predominantly ranch and split-level subdivisions with some late-20th-century mobile/manufactured homes on perimeter lots.
Major local employers & who's hiring
- Simmons Foods Feed Mill — farm
- MFA Oil — shopping
Local Purdy businesses
A few businesses that call Purdy home — independent of our agency.
- PaschalAir, Plumbing & Electric — HVAC, Plumbing, Electrical
- Davis & Son - HVAC & Plumbing — HVAC, Plumbing
- Spears Septic and Excavation — Septic, Excavation
- Missouri Tree Trimming Pros — Tree Trimming
- Big Jeff Tree Service — Tree Trimming
- MFA Oil — ag-commercial
- First State Bank of the Ozarks — financial
- AH Trucking LLC — trucking
- Roller Trucking LLC — trucking
- JC Auto — main-street
- Adelita's Mexican Restaurant — main-street
- Simple Simon's Pizza — main-street
Local landmarks & geography
- Little Sugar Creek — Primary watercourse flowing through Purdy; flash flooding and overland flow can impact structures along its banks and low-lying areas, increasing flood risk and property damage exposure.
- Historic Downtown Purdy — Concentrated commercial core with older masonry buildings; aging infrastructure and potential for higher loss severity in wind/hail events due to building age and building codes in effect at construction.
- Barry County, MO — FEMA Flood Map Service Center (MSC) — Official flood hazard data for Barry County, including Purdy; identifies Special Flood Hazard Areas (SFHAs) and base flood elevations for underwriting and rating decisions.
- Purdy Township Ozark Foothills, — Topography and geologic setting influence localized drainage and susceptibility to flash flooding and landslide risk, especially in hilly terrain.
- Interstate 49 (proximity) — Adjacent interstate provides regional connectivity and traffic volume; indirect exposure via service roads and commercial access points; no direct interstate segment within Purdy limits.
Local facts that shape your coverage
- Purdy’s population was 1,028 at the 2020 census; Barry County seat is Cassville. — Small‑town density and proximity to county seat shape insurance appetite and local carrier retention.
- The median home value in Purdy is $84,200, with a 70.1% homeownership rate. — Lower property values increase demand for sinkhole and sewer backup endorsements, especially in older housing stock.
Local figures compiled from public sources: datausa.io · en.wikipedia.org · datausa.io · city-data.com · msc.fema.gov · aaroads.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.
Purdy, MO insurance — common questions
How much does insurance cost in Purdy, MO?
Rates in Purdy and Barry 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 Purdy?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Purdy and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Purdy 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.