Published June 28, 2026 · 40 years in trucking & the trades
What we cover in Richmond
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Richmond choose a local agent
When you're in Richmond, Ray 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 Richmond: the local picture
Richmond's location in Missouri places it in a region susceptible to severe weather, including hail and tornadoes, which are significant considerations for property and auto insurance. Additionally, potential flood risks, assessable through FEMA maps, highlight the importance of comprehensive coverage for residents.
Population: 6105 (2020)
Major local employers & who's hiring
- Letzig Seed Co — farm
Local Richmond businesses
A few businesses that call Richmond home — independent of our agency.
- Letzig Seed Co — ag-commercial
- Cenex — c-store
- Phillips 66 — c-store
- BP — c-store
- Conoco — c-store
- Shell — c-store
- Finish Line — c-store
- Extended Stay - Park Place 3 - Stylish, Comfort, & Convenience, Just Like Home — c-store
- Bank Midwest — financial
- Athena Bitcoin ATM — financial
- Academy Bank — financial
- Goppert Financial Bank — financial
Local facts that shape your coverage
- Richmond, MO had a population of 6,105 as of the 2020 Census. — Provides demographic data crucial for insurance underwriting and risk assessment.
- Richmond is the county seat of Ray County, Missouri. — Indicates a stable local government presence and potential for associated employment, which can influence economic stability and insurance market dynamics.
- Missouri, including the Richmond area, is prone to severe weather events such as thunderstorms, tornadoes, and hail, particularly from spring through summer. — Highlights a significant risk for property and auto insurance claims due to severe weather-related damage.
- Flood risk for properties in Richmond, MO can be determined by consulting the official FEMA Flood Map Service Center. — Crucial for assessing the need for flood insurance and for property underwriting decisions.
Local figures compiled from public sources: data.census.gov · en.wikipedia.org · spc.noaa.gov · msc.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.
Richmond, MO insurance — common questions
How much does insurance cost in Richmond, MO?
Rates in Richmond and Ray 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 Richmond?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Richmond and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Richmond 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.