Published July 12, 2026 · 40 years in trucking & the trades
What we cover in Athol
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Athol choose a local agent
When you're in Athol, Smith 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 Athol: the local picture
Population: 41 (2020)
Housing in Athol
Smith County, where Athol is located, has an average home value of $89,701 (Zillow, https://www.zillow.com/home-values/28209/athol-ks/).
Major local employers & who's hiring
- City of Athol — Government
- USD 237 Smith Center Public Schools — Education
Local landmarks & geography
- Home on the Range Cabin — A historic landmark located in Athol, Kansas, which may contribute to local tourism and potentially influence property values in its immediate vicinity due to historical significance.
- U.S. Highway 36 — A major east-west highway that passes through Athol, Kansas, affecting property accessibility, potential for increased traffic noise, and accident risk for properties adjacent to the highway.
- Lovewell State Park / Lovewell Reservoir — Located near Athol, Kansas (in northern Jewell County), the Lovewell Reservoir presents a potential flood risk for properties in downstream or low-lying areas. The state park offers recreational value, which could indirectly affect property values in the broader region.
Local facts that shape your coverage
- As of the 2020 census, the population of Athol, Kansas was 41. — Provides demographic context for the town.
- Athol, KS experiences hot, humid summers with average July high temperatures around 90°F (32°C) and cold, dry winters with average January low temperatures around 14°F (-10°C). — Indicates general climate patterns influencing weather events.
- The area receives an average annual precipitation of approximately 27 inches (686 mm), with the wettest months typically being May and June. — Highlights periods of higher rainfall, which can contribute to flood risk.
Local figures compiled from public sources: worldpopulationreview.com · en.wikipedia.org · weather-atlas.com · simple.wikipedia.org · homeontherangecabin.com · en.wikipedia.org. 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.
Athol, KS insurance — common questions
How much does insurance cost in Athol, KS?
Rates in Athol and Smith 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 Athol?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Athol and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Athol 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.