Published July 19, 2026 · 40 years in trucking & the trades
What we cover in Agra
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Agra choose a local agent
When you're in Agra, Phillips County, you get a real person who knows KS — 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 Agra: the local picture
Living here in Agra, we know our livelihood is deeply rooted in agriculture, with the Ag Valley Co-op being a prime example of our local economy. For our farmers and agricultural businesses, robust crop insurance and farm liability are non-negotiable. Beyond the fields, local institutions like Thunder Ridge USD 110, Phillips County Health Systems, and the Phillips County Retirement Center / Prairie Wind Villa are vital employers. These businesses need comprehensive commercial policies, including general liability, property coverage, and workers' compensation, to protect against the unique risks of serving our tight-knit community.
Our homes, mostly older, well-loved wood-frame structures, tell a story of generations. With limited new construction and many of us owning our homes, it's crucial to have homeowners insurance that truly reflects replacement costs, not just market value, especially considering the age and construction type. We're no strangers to Kansas weather; severe thunderstorms, damaging winds, large hail, and tornadoes are a real threat. That means strong dwelling coverage, personal property protection, and specific endorsements for wind and hail are paramount. Auto insurance with comprehensive coverage is also a must, as hail can wreak havoc on vehicles here.
While specific flood maps for Agra can be elusive, we know Phillips County has defined flood zones, and Kansas generally sees its share of flooding from heavy rains. This means considering flood insurance is a smart move, especially for properties near the Prairie Dog Creek or other low-lying areas, providing a layer of protection beyond standard homeowners policies. The proximity to landmarks like Harlan County Reservoir and the steady traffic on K-18 and K-383 also underscores the need for adequate liability coverage for both personal and commercial ventures.
Population: 244 (Current estimate)
Housing in Agra
Most residents own their homes, and the area has a sparse suburban feel (Source: https://www.niche.com/places-to-live/agra-phillips-ks/). Limited new construction permits in the early 2000s (e.g., 1 building in 2002, 2 in 2000) suggest an older housing stock (Source: https://www.city-data.com/city/Agra-Kansas.html). Typical construction is predominantly wood-frame. Given the town's small size and limited growth, extensive historic districts or new subdivisions are unlikely. Older, predominantly frame homes imply a need for regular maintenance; replacement costs and roof materials (likely asphalt shingles) would vary based on the specific property's age and condition.
Major local employers & who's hiring
- Thunder Ridge USD 110 — Education
- Phillips County Health Systems — Healthcare hiring
- Phillips County Retirement Center / Prairie Wind Villa — Elder Care / Healthcare
- High Plains Mental Health Center — Mental Healthcare hiring
- Ag Valley Co-op — Agriculture / Grain Processing
Local Agra businesses
A few businesses that call Agra home — independent of our agency.
- Ferlox Dumpster Rental — Dumpster Rental
Local landmarks & geography
- Harlan County Reservoir — Regional body of water primarily in Nebraska with a small part in northern Kansas, approximately 30-45 miles north of Agra. While not directly adjacent, its presence as a large water body can influence regional water tables and potentially flood risk in low-lying areas of northern Phillips County.
- Webster State Park — State park and reservoir located approximately 33-38 miles southeast of Agra in Rooks County. As a recreational area, it can influence regional tourism and traffic patterns, indirectly affecting local businesses and infrastructure.
- Lovewell State Park — State park and reservoir located approximately 48-53 miles east of Agra in Jewell County. Similar to Webster State Park, it serves as a regional recreational hub influencing tourism and traffic.
- Kansas Highway 18 (K-18) — State highway passing through or immediately adjacent to Agra, providing primary transportation access. Proximity to major roads affects property accessibility, potential for traffic-related incidents, and noise levels, which can influence property value and insurance rates.
- Kansas Highway 383 (K-383) — State highway passing through or immediately adjacent to Agra, providing primary transportation access. Proximity to major roads affects property accessibility, potential for traffic-related incidents, and noise levels, which can influence property value and insurance rates.
- TAMKO Building Products (Phillipsburg) — A major manufacturing plant and the largest employer in Phillipsburg, the county seat of Phillips County, approximately 15 miles southwest of Agra. The economic stability and operations of such a large regional employer can indirectly affect the overall economic health and property values within the county, including Agra.
Local facts that shape your coverage
- The Agra, KS area has had 10 reports of on-the-ground hail by trained spotters and has been under severe weather warnings 17 times during the past 12 months. Doppler radar has detected hail at or near Agra, KS on 101 occasions. — High
- Kansas experiences a wide variety of summertime severe weather, including tornadoes, damaging winds, large hail, and flash flooding. — High
- Phillips County, Kansas, has flood maps available which include information on flood zones, flood hazards, flood insurance rates, and FEMA flood plans. — High
- As of the 2020 census, the population of Agra, Kansas, was 208. — Small population implies a close-knit community and potentially limited emergency services, impacting risk assessment and recovery times for insurance claims.
Local figures compiled from public sources: niche.com · interactivehailmaps.com · weather.gov · flood-maps.com · en.wikipedia.org · usd110.net. Estimates — verify current details with the original source.
Insurance requirements in Kansas
Kansas is a no-fault state: along with liability, drivers must carry Personal Injury Protection (PIP), which pays your own medical costs regardless of who caused the crash. Kansas also sits in the heart of Tornado Alley, so hail and wind coverage is a real consideration for homes, farms, and businesses. We compare Kansas-admitted carriers to match those requirements to the right price. Verify current state minimums with the Kansas Insurance Department.
Agra, KS insurance — common questions
How much does insurance cost in Agra, KS?
Rates in Agra and Phillips 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 Agra?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Agra and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Agra 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.