Long Island, 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 Long Island, Kansas — the real employers, geography, housing, and weather that shape your coverage, from a licensed local agent who shops 80+ carriers.
Insurance in Long Island: a local agent's take
Living in Long Island, you know what 'Tornado Alley' truly means. Our homes, many of which are older frame or manufactured types with a median value around $78,800 in 2024, face a constant threat from severe thunderstorms, hail, and tornadoes. That's why robust dwelling coverage, specifically tailored to handle wind and hail damage, isn't just a recommendation—it's a necessity. We need to talk about your roof, too; while the structure's replacement cost might be lower, roof replacement is standard, and after a good hail storm, you'll want to be sure you're fully covered without unexpected out-of-pocket expenses. Don't forget about your vehicles either; comprehensive auto coverage is crucial here for those unexpected weather events.
Beyond the sky, we're also on the radar for historical flood risks. Standard homeowner's policies don't cover flood damage, so a separate flood insurance policy, easily assessed via FEMA maps, is a smart move for protecting your biggest investment. For our local businesses like Long Island Feed & Grain LLC and BRB Tree Service, and even institutions like the USD 325 Phillipsburg School District that serves our community, comprehensive property and liability insurance are key. The agricultural sector, a cornerstone of our economy, also needs specialized coverage like crop insurance to protect against the very weather elements that threaten our homes.
With US Highway 183 running through the area, vehicle traffic, including commercial vehicles, is a constant, making adequate auto liability and uninsured/underinsured motorist coverage important for everyone on the road. Whether you're working in healthcare, information, or out in the fields—which are among the highest paying industries here—understanding your personal property coverage and potential income protection needs is just as vital as protecting your home from the next big storm.
The Long Island economy & who needs coverage
The economy of Long Island, KS employs 64 people, primarily in Health Care & Social Assistance, Information, and Agriculture, Forestry, Fishing & Hunting. Agriculture, Forestry, Fishing & Hunting, & Mining are among the highest paying industries. Source: https://datausa.io/profile/geo/long-island-ks/
Major employers & who's hiring in Long Island
- USD 325 Phillipsburg School District — Education (hiring)
- Long Island Feed & Grain LLC — Agriculture/Wholesale Animal Feed/Grain
Local businesses in Long Island
A few local businesses that make Long Island what it is — independent of our agency.
- BRB Tree Service — Tree Trimming / Arborist
Local landmarks & geography
- Local Reservoir (unnamed in search results) — Proximity to a reservoir can increase flood risk for properties in low-lying areas or within floodplains, and may influence water damage insurance premiums.
- US Highway 183 — Properties adjacent to major highways may experience higher noise pollution and potentially increased vehicle-related incidents, which could affect property value and certain types of insurance (e.g., liability for accidents entering/exiting property).
- Historic Downtown/District — No specific historic downtown or district was identified through web searches for Long Island, KS. If one existed, it would typically affect property values due to architectural significance and special insurance considerations for historic preservation.
- State Park — No state parks were identified within or immediately near Long Island, KS through web searches. Proximity to a state park could affect property values (positively) and potentially wind/wildfire risk depending on the park's nature.
- University — No university is located in Long Island, KS. The closest universities are the University of Nebraska at Kearney and Fort Hays State University. The presence of a university typically influences rental markets, property values, and demand for certain types of insurance.
- Major Plant/Employer — No major industrial plants or large employers were identified in Long Island, KS through web searches. The presence of such facilities can impact local employment, property values, and potentially environmental risks affecting insurance.
Housing stock in Long Island
The median property value in Long Island, KS was $78,800 in 2024. Given the small population and lack of new single-family construction permits in Phillips County in 2023, the housing stock is likely older, consisting predominantly of frame or manufactured homes. There is no information suggesting historic districts or new subdivisions. This indicates generally lower replacement costs for the structure itself, while roof replacement costs would be standard based on materials. Source: https://datausa.io/profile/geo/long-island-ks/, https://www.city-data.com/county/Phillips_County-KS.html
Weather & flood risk in Long Island
Long Island, KS, situated in Phillips County, faces a notable risk of severe weather, including frequent severe thunderstorms with hail, and is located within the active 'Tornado Alley' region of the United States.
While specific town-level flood data requires direct inquiry through the FEMA portal, Long Island, KS, like other areas in Kansas, is subject to historical flood risks that can be assessed via official FEMA flood maps.
Local facts that affect Long Island insurance
- As of the 2020 United States Census, the city of Long Island, Kansas, had a population of 137 people. — Direct population data for the town.
- Phillips County, Kansas, which includes Long Island, has experienced hail events, with pea-sized hail recorded 6.4 miles WNW of Prairie View, KS. — Specific severe weather event in the immediate region.
- Kansas is widely recognized for its location within 'Tornado Alley,' indicating a high susceptibility to tornado activity. — Regional severe weather characteristic directly impacting the area.
- The FEMA Flood Map Service Center allows residents to find official flood maps and hazard products to understand specific flood risks for their property. — Tool for assessing local flood risk.
- The economy of Long Island, KS employs 64 people, primarily in Health Care & Social Assistance, Information, and Agriculture, Forestry, Fishing & Hunting. — This directly impacts commercial insurance needs for these sectors and highlights potential income protection considerations for residents.
- Long Island, KS and the surrounding region are prone to severe weather, including a documented EF3 tornado that struck nearby Norton County on June 20, 2011. — This emphasizes the critical need for robust wind and hail coverage in both personal and commercial property insurance policies due to the high risk of severe weather events.
Get covered in Long Island
We're an independent agency — we compare 80+ carriers to fit Long Island's risks to your budget. See Long Island, KS insurance & get a quote → or call 573-594-5148.
Sources: datausa.io · en.wikipedia.org · interactivehailmaps.com · en.m.wikipedia.org · msc.fema.gov · youtube.com · usd325.com · yellowpages.com · traillink.com · city-data.com