Hey Old Goat,
I am still working on getting that information together, but this is what I have so far.
Go to the main page,
www.stjoepark. Look for the link called "Find Stuff around park" on the left hand side. Click it, you will be sent to another screen where you will find "Lodging, Food, & Fun". Click the link, all I have as of now is the lodging and golf courses mapped.
You can also go the main page and click the "Local tourism" link, this goes directly to the farmington chamber of commerce where you will find some more information.
Got an answer on the flag.
ATV's need flags!
Dirtbikes don't need flags!
There is a small fee to ride, 3$ a bike.
Everyone needs a helmet.
As for insurance, the Park doesn't require it. But the Missouri State Patrolmen does spot check and you may possibly get a ticket if you don't have insurance.
thanks