Published June 30, 2026 · 40 years in trucking & the trades
What we cover in Alma
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Alma choose a local agent
When you're in Alma, Wabaunsee 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 Alma: the local picture
Living here in Alma, you know our homes have character, often dating back a ways. That means many of us have older, established houses, often traditional frame or even some classic brick. While beautiful, these older properties can be a headache for insurance if you're not properly covered. Replacing a historic roof or finding skilled craftsmen for specialized repairs after a storm can push costs way up. That’s why robust dwelling coverage, perhaps with an extended replacement cost endorsement, is vital. And speaking of storms, we're no strangers to severe weather. Those intense thunderstorms and hail events we get hit with regularly mean your roof and siding are constantly at risk. You'll want to make sure your wind and hail deductibles are set to something manageable, not a huge percentage, otherwise you could be digging deep into your own pocket after the next big one. Our local economy, supported by places like Alma Creamery / Alma Foods, Alma Manor, Wabaunsee County USD 329, and the Alma Farmers Cooperative Association, means there's a mix of commercial insurance needs right here in town. These businesses need solid property, general liability, and workers' compensation policies. Alma Creamery, for instance, would certainly need product liability coverage. For residents, it's also worth remembering our proximity to Mill Creek and how Main Street can be affected by heavy rains.
Population: 802 (2020)
Housing in Alma
Alma features a housing stock that includes historic structures, suggesting a prevalence of older, established homes. These properties likely consist of traditional frame and some brick construction, which can lead to higher replacement costs due to the need for specialized materials and skilled craftsmanship. Older roofs are also a common characteristic, potentially requiring significant repair or replacement. (Source: https://www.architectmagazine.com/project-gallery/wabaunsee-county-homestead)
Major local employers & who's hiring
- Alma Creamery / Alma Foods — Food Processing (Dairy/Cheese) hiring
- Alma Manor — Healthcare (Nursing Home/Long-Term Care) hiring
- Wabaunsee County USD 329 — Education hiring
- Alma Farmers Cooperative Association — Agriculture (Agronomy, Feed, Grain) hiring
- Alma Co-Op Elevator — ag-commercial
- Feyh Farm Seed Company — farm
- Alma Co-Op Oil Association — gas station
Local Alma businesses
A few businesses that call Alma home — independent of our agency.
- Alma Co-Op Elevator — ag-commercial
- Feyh Farm Seed Company — ag-commercial
- Alma Co-Op Oil Association — c-store
- Phillips 66 — c-store
- Stockgrowers State Bank — financial
- Bank of the Flint Hills - Alma — financial
- Mike's Auto Repair — main-street
- El Corral Mexican Restaurant — main-street
- Arbukle Mountain Fried Pies — main-street
Local landmarks & geography
- Mill Creek — Affects flood risk for properties adjacent to or near the creek. Historically significant for the town's development.
- Alma Main Street — Represents the historic commercial core of the town. Buildings may be older, affecting property valuation, repair costs, and potential for historic preservation requirements.
Local facts that shape your coverage
- The Alma, KS area has had 14 reports of on-the-ground hail by trained spotters and has been under severe weather warnings 51 times during the past 12 months. — Directly quantifies severe weather (hail) and warning frequency for Alma, KS.
- Doppler radar has detected hail at or near Alma, KS on 81 occasions, including 4 occasions during the past year. — Provides specific frequency of hail detection by radar in the Alma, KS vicinity.
- Since 2023, the Alma, KS area has experienced 7 verified hail, wind, and tornado reports within a 10-mile radius. — Highlights the occurrence of multiple types of severe weather, including wind and tornadoes, near Alma, KS.
- As of the 2020 census, the population of Alma, Kansas was 802. — Provides demographic context for the community.
- The local job base in Wabaunsee County (which includes Alma) is primarily supported by industries such as Retail Trade, Health Care & Social Assistance, and Manufacturing. — Indicates the types of commercial insurance needs and economic stability impacting personal insurance affordability.
Local figures compiled from public sources: legendsofkansas.com · interactivehailmaps.com · periliq.com · en.wikipedia.org · datausa.io · indeed.com. 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.
Alma, KS insurance — common questions
How much does insurance cost in Alma, KS?
Rates in Alma and Wabaunsee 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 Alma?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Alma and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Alma 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.