Summer in Missouri is a season of growth, celebration, and, unfortunately, storm clouds on the horizon. As the skies turn unpredictable, rural property owners face heightened risks, especially when it comes to outbuildings and essential farm structures. Understanding how summer weather impacts your ag property is key to staying protected. Well, that and a high humidity tolerance.
July brings more than county fairs and fresh sweet corn. It also delivers an uptick in summer storms, high winds, and heavy rainfall. We’ve seen it happening. Many areas across Missouri have faced extensive flash flooding this summer, damaging roads, fields, and buildings alike. These conditions aren’t just inconvenient; they’re a reminder of how quickly weather can hit your wallet on a working farm. We know what it is to watch the sky.
Maybe it’s a classic red barn, or a modern grain bin, or a pole shed. Whatever you have chosen, Missouri farms depend on outbuildings to protect livestock, equipment, and harvested crops. But these structures are especially vulnerable to wind, hail, and lightning. Even fencing, essential for livestock control and property boundaries, can take a beating during intense storms.
Lightning-related electrical surges are another concern for rural properties. These can damage well pumps, electrical panels, and automated systems that are often located in detached buildings, making surge protection more than just a luxury.
It’s never a good idea to wait until something goes wrong to find out what your policy actually covers. Now is the time to review your insurance coverage on your outbuildings, fencing, and livestock. Many policies offer specific protection for detached buildings, but your coverage limits should reflect today’s rising rebuild costs. Material prices and labor rates are constantly shifting, so it pays to check your values now, before the next storm hits.Not sure if you need flood coverage? Wondering if your crops or electrical systems are protected? Pick up the phone and ask. A few simple adjustments today can make a big difference tomorrow.
At Lincoln County Farmers Mutual Insurance Company, it’s our job to make sure your property is protected. Our team and our board members have walked through muddy fields, ate the Fair funnel cakes, and been there for celebrations and losses for over 125 years. As a mutual company, owned and managed by the very people we insure, we’re constantly assessing risk, running a stable business, and showing up for our neighbors. A group of Lincoln County farmers came together in 1900 to form this company, with a simple goal: to protect each other. That spirit still drives us today.
Over the years, we expanded into Pike County, MO, Warren County, MO, Montgomery County, MO, and beyond. We are now one of the top mutual insurance carriers in our region, offering reliable farm and property insurance coverage across the entire state of Missouri. Whether you live in a rural community or manage a growing ag operation, we’re here to provide coverage that fits your needs.
Community is everything to us. Check back often for practical resources, seasonal risk alerts, and the kind of guidance that makes us a trusted source for insurance insight in Missouri and beyond. Let’s make sure your property coverage stands strong, just like your structures. Connect with one of our hand-picked agents today.
