Holyrood, KS Insurance Guide — Local Risks & Coverage
Licensed insurance agent, BNW Services LLC · 40 years in trucking & the trades
Here's the local picture for insurance in Holyrood, Kansas — the real employers, geography, housing, and weather that shape your coverage, from a licensed local agent who shops 80+ carriers.
The Holyrood economy & who needs coverage
The local job base centers on agriculture, light manufacturing, and small businesses, with a few employers such as grain elevators and local services anchoring the economy.
Local businesses in Holyrood
A few local businesses that make Holyrood what it is — independent of our agency.
- Cenex — c-store
- C&V's Convenience Store — c-store
- Bank of Holyrood — financial
- Holyrood Motor Co — main-street
Local landmarks & geography
- US-181 Highway — Primary north-south route through Holyrood; exposure to traffic density and potential liability; high traffic volumes can increase property and casualty risk due to accidents and roadside exposures.
- Central Prairie Co-op (Grain Elevator & Ag Services) — Major local employer and critical infrastructure; fire/explosion risk from grain dust, property value concentration, and business interruption exposure for agribusiness insurance.
- Historic Downtown District (City Hall area, 67450) — Designated as a cohesive historic district with buildings on the National Register; increased property value and potential wind/hail risk due to older building envelopes; historic preservation restrictions may limit repair/rebuild options, affecting coverage and valuation.
- Ellsworth County (surrounding) — Regional floodplain and storm risk context; Holyrood is within Ellsworth County, which has documented flood exposure areas; FEMA and NOAA sources indicate central Kansas counties are subject to flash flooding and severe thunderstorm winds.
- Smoky Hills Region (geography) — Holyrood lies within the Smoky Hills physiographic region; rolling terrain and soil composition can contribute to localized flooding and drainage issues, affecting flood risk assessments.
Housing stock in Holyrood
Most housing stock dates to the late 19th and early-to-mid 20th centuries, with a mix of wood-frame and brick structures; a few manufactured homes are present, and there is no designated historic district Older roofs are common due to the age of the housing stock; replacement costs are moderate given the rural market, but frequent weather exposure (hail/wind) can accelerate wear
Weather & flood risk in Holyrood
Holyrood, KS lies in the central Great Plains, an area frequently exposed to severe thunderstorms, large hail, and occasional tornadoes, especially during spring and early summer, per NOAA’s Storm Prediction Center and local climatology. The town is within a region historically identified as part of Kansas’s “hail alley,” increasing the risk of damaging hail events.
Holyrood has a moderate flood risk, primarily from localized flash flooding during heavy rainfall and overland flow from surrounding rural areas, as indicated by the city’s adopted floodplain management ordinance and Ellsworth County’s flood risk context. The town is not situated on a major river, but low-lying drainage areas are vulnerable to inundation.
Local facts that affect Holyrood insurance
- Holyrood is a city in Ellsworth County, Kansas, with a population of 403 as of the 2020 U.S. Census. — Establishes the town’s identity and small size, relevant for risk planning and local economic context.
- Holyrood’s floodplain management ordinance (Ordinance 626) was recently revised to incorporate updated floodplain zoning, reflecting recognized flood hazards in the community. — Confirms active local governance of flood risk and regulatory attention to floodplain areas within the town.
- Kansas is situated within ‘Hail Alley,’ and Ellsworth County has a history of severe hail events, with interactive hail maps showing frequent hail tracks crossing the region. — Contextualizes Holyrood’s exposure to hail, a major severe-weather hazard in central Kansas.
- As of 2020, Holyrood’s population was 403, with recent estimates showing a slight decline, indicating a small, stable community with limited resources for recovery from repeated severe-weather events. — Small population size and stability are important for emergency planning and insurance risk assessment.
Get covered in Holyrood
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Sources: en.wikipedia.org · indyrepnews.com · restoremastersllc.com · zipcodestogo.com · simplyhired.com