Published July 27, 2026 · 40 years in trucking & the trades
What we cover in Spickard
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Spickard choose a local agent
When you're in Spickard, Grundy 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 Spickard: the local picture
As a local in Grundy County, I know Spickard is a small town on the Weldon River, and that brings its own set of insurance considerations. For homeowners here, protecting your most valuable asset is paramount. While specific housing details can vary, a good homeowners policy should offer robust protection against common perils in our rural setting. For any small businesses operating in Spickard, whether they're supporting the local economy or serving our community, commercial property and general liability insurance are foundational to protect against unforeseen events and claims, ensuring the continuity of operations in our close-knit community.
Living in Missouri means we're no stranger to severe weather, and Spickard is certainly exposed to its share of storms. This makes comprehensive property coverage, including adequate roof protection, a critical consideration for both homes and businesses. With the Weldon River nearby, and knowing that flood risks across Missouri can be higher than often estimated, it's wise for residents and business owners alike to consider flood insurance. Water damage can be devastating, and a separate flood policy is often the only way to safeguard against this particular risk, keeping our community resilient.
Population: 222 (2020)
Housing in Spickard
Most residents own their homes, and the area has a suburban rural mix feel. Given its size and rural nature, housing is likely a mix of older, traditional frame homes and potentially some manufactured housing. Without specific age data, it's difficult to estimate direct replacement costs, but older homes generally incur higher maintenance and potential replacement costs for roofs and other systems. Source: https://www.niche.com/places-to-live/spickard-grundy-mo/
Major local employers & who's hiring
- Spickard R-II School District — Education Actively hiring
- University of Missouri Thompson Farm — Agriculture, Research Actively hiring
- Coon Manufacturing Inc — Manufacturing Actively hiring
- Wright Memorial Hospital — Healthcare Actively hiring
Local Spickard businesses
A few businesses that call Spickard home — independent of our agency.
- Homeland Roofing LLC — Roofing Contractor
Local landmarks & geography
- Weldon River — Proximity to the Weldon River could increase flood risk for properties located in its floodplain.
- Historic Downtown/District — None identified in search results.
- State Park — None identified in search results.
- Interstate — No interstate highway runs directly through Spickard, MO.
- University — No university is located directly within Spickard, MO. Truman State University (54 miles away) and North Central Missouri College (in Trenton) are nearby.
- Major Plant — No major industrial plant or large employer identified in search results for Spickard, MO.
Local facts that shape your coverage
- The population of Spickard, Missouri was 222 at the 2020 census. — Provides basic demographic information for the town.
- Doppler radar has detected hail at or near Spickard, MO on 61 occasions, including 2 occasions during the past year. — Direct evidence of severe weather, specifically hail, affecting the town.
- A nationwide study by the First Street Foundation found that more than 280,000 properties in Missouri are at risk of flood damage, nearly twice the number estimated by the Federal Emergency Management Agency (FEMA). — Highlights a potentially underestimated flood risk for properties in Missouri, applicable to Spickard.
- Spickard is a city on the Weldon River in Grundy County, Missouri. — Proximity to a river can influence flood risk and is a key geographical feature.
- The population of Spickard was 222 at the 2020 census. — Population size can influence community resources and indirectly, insurance risk profiles.
Local figures compiled from public sources: data.census.gov · en.wikipedia.org · interactivehailmaps.com · stlpr.org · spickard.k12.mo.us · erecruit.umsystem.edu. 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.
Spickard, MO insurance — common questions
How much does insurance cost in Spickard, MO?
Rates in Spickard and Grundy 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 Spickard?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Spickard and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Spickard 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.