Published July 28, 2026 · 40 years in trucking & the trades
What we cover in Viburnum
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Viburnum choose a local agent
When you're in Viburnum, Iron 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 Viburnum: the local picture
Folks in Viburnum, we know our corner of Iron County gets its share of wild weather. With frequent hail and the general Missouri tornado threat, robust homeowners insurance isn't just a suggestion, it's a necessity. You need to be sure your policy has adequate wind and hail coverage, and don't forget those deductibles – a higher one might save you a little upfront, but it could sting when a storm rolls through. For your vehicles, comprehensive auto coverage is a must to protect against hail damage, falling trees, or other storm-related mishaps. With a median property value of $88,800 and a high homeownership rate of 80.1%, protecting your home is clearly a priority for many families here.
Our economy runs deep, literally, with The Doe Run Company's mining operations being a major employer. For businesses like Doe Run, comprehensive commercial insurance is absolutely critical, covering everything from workers' compensation for their employees to extensive general liability and environmental liability, given the nature of mining. Smaller local employers, such as the Viburnum R-III School District and Viburnum Medical Clinic, need tailored commercial policies, including general liability, property insurance, and professional liability for the clinic. Even local businesses like Abney's Garage and Wrecker Service and Great Southern Bank require specific coverages like garage keepers insurance, commercial auto, and strong cyber liability protection to safeguard against modern risks.
Living near the Mark Twain National Forest and Hawn State Park offers great outdoor opportunities, but it also means considering specific risks. While wildfire isn't explicitly highlighted in our local weather, being surrounded by dense forest means it's a consideration for property owners. More importantly, with 14 recorded flood incidents and general reports indicating Missouri has more flood-prone properties than FEMA estimates, separate flood insurance is a smart investment. Standard homeowners policies don't cover flood damage, so if your property is anywhere near a creek or a low-lying area, a dedicated flood policy is essential for peace of mind.
Population: 667 (2020)
Housing in Viburnum
Zillow lists 15 homes for sale in the area. (Source: https://www.zillow.com/viburnum-mo/)
Major local employers & who's hiring
- The Doe Run Company — Mining/Natural Resources hiring
- Viburnum R-III School District — Education hiring
- Viburnum Medical Clinic — Healthcare
Local Viburnum businesses
A few businesses that call Viburnum home — independent of our agency.
- Abney's Garage and Wrecker Service — Auto Repair
- Great Southern Bank — Bank
Local landmarks & geography
- The Doe Run Company (Viburnum Trend) — Major industrial and mining operations. Impacts local economy and property values. Potential for environmental considerations (e.g., ground stability, historical contamination) affecting specialized insurance coverages and property values.
- Hawn State Park — Proximity to a state park can enhance property values due to recreational opportunities. While wildfire risk is generally low in Missouri, properties adjacent to large forested areas may have increased considerations.
- Mark Twain National Forest — A large national forest near Viburnum. Proximity can influence property values (recreational appeal). May present moderate wildfire risk considerations for properties immediately bordering the forest.
Local facts that shape your coverage
- The Viburnum, MO area has experienced 9 on-the-ground hail reports by trained spotters and 50 radar-detected hail events, with 4 occurring in the last year. — High
- Missouri averages approximately 40 tornadoes per year, indicating a regional susceptibility to tornadic activity that could affect Viburnum. — Medium
- First Street Foundation offers flood maps and climate risk reports for properties within the 64052 zip code, which covers Viburnum, MO. — High
- As of the 2020 census, Viburnum, Missouri, had a population of 667 and is located in Iron County, within the New Lead Belt region. — Low
- As of 2024, the estimated population of Viburnum, MO is 803. — General demographic information useful for understanding community size and potential insurance market. More recent than census data.
- Viburnum, MO has experienced 14 flood events. — Directly indicates a history of flood risk, emphasizing the importance of flood insurance.
Local figures compiled from public sources: citypopulation.de · interactivehailmaps.com · worldmetrics.org · firststreet.org · en.wikipedia.org · datausa.io. 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.
Viburnum, MO insurance — common questions
How much does insurance cost in Viburnum, MO?
Rates in Viburnum and Iron 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 Viburnum?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Viburnum and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Viburnum 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.