Published July 16, 2026 · 40 years in trucking & the trades
What we cover in Bogue
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Bogue choose a local agent
When you're in Bogue, Graham 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 Bogue: the local picture
Living here in Bogue, we know a thing or two about unpredictable weather. Our community, nestled in Graham County, faces a tornado risk that's well above the national average, even if it's a bit less than the state average. This isn't just a statistic; it means strong winds can wreak havoc on our homes and property. Homeowners need to ensure their policies are robust, with adequate coverage for wind and hail damage—because while Bogue might not have a specific hail map, being in Kansas means hail is always a real concern for our roofs and vehicles.
Then there's the South Fork Solomon River, a beautiful part of our landscape that also brings potential riverine flood risks. Standard homeowners insurance doesn't cover floods, and with a median property value of $72,500 and over three-quarters of us owning our homes, protecting that investment is paramount. Whether you're near the river or not, water can find a way, making flood insurance a smart consideration for every homeowner in town.
Our local economy is built around vital services, with Educational Services, Public Administration, and Health Care & Social Assistance being our largest employers, including places like Rooks County Health Center and Graham County USD 281. For these institutions, comprehensive commercial insurance isn't just a good idea—it's essential for protecting their property, employees, and operations from a range of risks, ensuring they can continue to serve our community.
Population: 88 (2022)
Housing in Bogue
The median property value in Bogue, KS was $72,500 in 2022, with a homeownership rate of 76.5%. Source: https://datausa.io/profile/geo/bogue-ks/
Major local employers & who's hiring
- Rooks County Health Center — Healthcare hiring
- Graham County USD 281 — Education hiring
Local landmarks & geography
- South Fork Solomon River — Proximity to the river increases flood risk for properties in low-lying areas or floodplains.
- K-18 Highway — Proximity to a state highway can affect traffic noise, accessibility, and potentially increase risk for vehicle-related incidents near properties.
- U.S. Route 24 — Proximity to a U.S. highway can affect traffic noise, accessibility, and potentially increase risk for vehicle-related incidents near properties.
- Webster State Park — Proximity to a state park can increase property values due to recreational amenities and natural beauty, but may also lead to increased traffic during peak seasons.
- Fort Hays State University — As a regional university, its presence in Hays (approx. 39 miles away) contributes to the regional economy and may influence demand for housing and services in nearby communities, including Bogue.
Local facts that shape your coverage
- As of the 2020 Census, the population of Bogue, Kansas, was 155. — High
- Bogue is a city in Graham County, Kansas, located on K-18, south of U.S. Route 24, on the South Fork Solomon River. — High
- Bogue's historical tornado activity is slightly below the Kansas state average, but 49% greater than the overall U.S. average. — High
- Bogue, Kansas, receives an average of 23 inches of rain annually. — Medium
- Bogue has an elevation of 2050 feet. — Medium
- The homeownership rate in Bogue, KS is 76.5%, with a median property value of $72,500 (2022). — High homeownership suggests a strong need for robust homeowners insurance, including considering flood and severe weather coverage, as homes are significant assets for most residents.
- Bogue, Kansas is located in a region of Kansas that experiences hail risk, consistent with general state weather patterns. — Given the tornado risk, hail is another significant severe weather concern that can cause substantial property damage, particularly to roofs and vehicles, highlighting the need for comprehensive property and auto insurance.
Local figures compiled from public sources: datausa.io · en.wikipedia.org · city-data.com · bestplaces.net · hailtrace.com · rookscountyhealthcenter.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.
Bogue, KS insurance — common questions
How much does insurance cost in Bogue, KS?
Rates in Bogue and Graham 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 Bogue?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Bogue and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Bogue 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.