Published July 14, 2026 · 40 years in trucking & the trades
What we cover in Union Star
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Union Star choose a local agent
When you're in Union Star, DeKalb 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 Union Star: the local picture
Living here in Union Star, with our median home value around $144,200, means many of us reside in older, single-family frame homes, and some manufactured homes. That makes proper dwelling coverage absolutely essential, not just for the initial value, but also considering the potential costs for comprehensive renovations or roof replacements. Given our Midwest location, we're no strangers to severe weather – those strong thunderstorms, high winds, hail, and the occasional tornado. Folks need to ensure their policies have robust wind and hail coverage. And with the Third Fork Platte River nearby, it’s always wise to check the FEMA Flood Map Service Center to understand your flood risk and consider a separate flood insurance policy, because standard homeowners insurance won't cover that.
Our local economy, while small, is supported by key players like the Union Star R-II School District (https://www.usr2.com/), where many of our neighbors work. We also have essential local businesses keeping things running, such as Skyline Insulation, Nexdor Dumpster Rental (https://union-star-mo.gentlemenjunkremoval.com/), Thompson Painting LLC (https://www.thompsonpaintingllc.com/), and Homeland Roofing LLC (https://union-star-mo.homelandroofingllc.com/). For these businesses, having the right commercial general liability, property insurance, and workers' compensation is critical to protect their livelihoods and employees. For those of us who commute to larger towns for work, comprehensive auto insurance isn't just a good idea, it's a necessity on those rural roads.
Ultimately, being a resident or business owner here in Union Star means understanding our unique risks. From protecting our homes against unpredictable weather to ensuring our local businesses are resilient, having a well-tailored insurance plan isn't a luxury; it's peace of mind for our close-knit community.
Population: 975 (2026)
Housing in Union Star
The median home value in Union Star, MO is $144,200. The housing stock likely comprises older, single-family frame homes, potentially including some manufactured homes, typical of small rural communities. The modest home values suggest that while replacement costs for individual structures may be moderate, older properties could incur significant expenses for comprehensive renovations or roof replacements. Source: https://www.zip-codes.com/zip-code/64494/zip-code-64494.asp
Major local employers & who's hiring
- Union Star R-II School District — Education hiring
Local Union Star businesses
A few businesses that call Union Star home — independent of our agency.
- Skyline Insulation — Insulation Contractor
- Nexdor Dumpster Rental — Dumpster Rental
- Thompson Painting LLC — Painting Contractor
- Homeland Roofing LLC — Roofing Contractor
Local landmarks & geography
- Third Fork Platte River — Proximity to the river increases flood risk for properties located within or near its floodplain.
Local facts that shape your coverage
- Union Star, MO has a population of 559 as of 2024. — Population data
- The median household income in Union Star, MO was $61,299 in 2024. — Economic indicator
- In 2024, the median property value in Union Star, MO was $105,700. — Housing market data
- The largest industries in Union Star, MO in 2024 were Agriculture, Forestry, Fishing & Hunting, Health Care & Social Assistance, and Manufacturing. — Economic activity
- Union Star is a city in northwest DeKalb County, Missouri, and had a population of 380 at the 2020 census. — Geographic and historical population data
- The population of Union Star, MO was 380 in 2020. — Population size can influence local services, risk pools, and overall community resilience, indicating a small, close-knit community.
Local figures compiled from public sources: zip-codes.com · datausa.io · en.wikipedia.org · worldpopulationreview.com · usr2.com · en.wikipedia.org. 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.
Union Star, MO insurance — common questions
How much does insurance cost in Union Star, MO?
Rates in Union Star and DeKalb 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 Union Star?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Union Star and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Union Star 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.