Published July 17, 2026 · 40 years in trucking & the trades
What we cover in Theodosia
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Theodosia choose a local agent
When you're in Theodosia, Ozark 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 Theodosia: the local picture
Living here in Theodosia, we appreciate the established character of our single-family homes, many of which were built back in the 1970s. While they've got charm, this also means those roofs have seen their fair share of Ozark County weather. With our notable risk of severe storms, including frequent hail and tornadoes, making sure you have robust dwelling coverage for roof replacement is paramount. It’s not just about covering the structure, but also understanding your wind and hail deductibles, because chances are, your roof will face Mother Nature's fury at some point.
Our beautiful Bull Shoals Lake and Theodosia Marina and Resort are central to life here, drawing tourists and offering recreation. If you're near the lake or have a boat, thinking about watercraft insurance and increased liability coverage is just plain smart. And while we might not always be in a designated flood zone, Missouri generally experiences a mixed flood risk with flash floods being a frequent concern. Given our proximity to the lake and local topography, a separate flood insurance policy is a savvy move to protect your investment, even if it feels like 'extra'.
The local economy, driven by tourism, agriculture, and small businesses like our local tree trimming services, along with the Lutie R-V School District as a key employer, all contribute to our tight-knit community. For homeowners, this means protecting your personal property, and for our small business owners, adequate commercial and liability insurance is essential to keep our local economy thriving.
Population: 122 (2021)
Housing in Theodosia
The housing stock in Theodosia primarily consists of single-family detached homes, with the majority constructed in the 1970s, giving the area an established character. This older housing stock implies that roofs are likely older, potentially requiring replacement, and general replacement costs would be based on construction standards from that era. (Sources: https://www.zipcodestogo.com/Theodosia/MO/65761/, https://www.niche.com/places-to-live/theodosia-ozark-mo/real-estate/)
Major local employers & who's hiring
- Lutie R-V School District — Education
Local Theodosia businesses
A few businesses that call Theodosia home — independent of our agency.
- Tree Trimming in Theodosia, MO — Tree Trimming
Local landmarks & geography
- Bull Shoals Lake — Major lake bordering Theodosia, MO. Properties near the lake are subject to flood risk due to rising lake levels, impacting property values and insurance premiums. The lake also influences local commercial activity.
- Theodosia Marina and Resort — A significant local business and landmark located directly on Bull Shoals Lake. Its operations and value are directly tied to the lake, making it susceptible to flood risk from rising lake levels, affecting business interruption and property insurance.
Local facts that shape your coverage
- Theodosia-area historical tornado activity is 39% greater than the overall U.S. average. — High
- An EF1 tornado with 100 mph winds was confirmed near Theodosia, MO, in April 2019, staying on the ground for nearly five-and-a-half miles. — High
- The Theodosia, MO area has had 7 reports of on-the-ground hail by trained spotters and 69 occasions of radar-detected hail. — High
- As of the ACS 2024 5-year data, the population of Theodosia, MO is 178. — Population data helps insurance companies assess risk density and market size.
- The median household income in Theodosia, MO is $19,149 (ACS 2024 5-year data). — Income levels can influence the types and amounts of insurance coverage residents can afford or prioritize.
Local figures compiled from public sources: censusreporter.org · city-data.com · ky3.com · interactivehailmaps.com · lutieschool.org · ozarksfirst.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.
Theodosia, MO insurance — common questions
How much does insurance cost in Theodosia, MO?
Rates in Theodosia and Ozark 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 Theodosia?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Theodosia and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Theodosia 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.