Published July 16, 2026 · 40 years in trucking & the trades
What we cover in Cedar
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Cedar choose a local agent
When you're in Cedar, 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 Cedar: the local picture
Living here in Cedar, you know our homes aren't always your typical stick-built houses. A good chunk of our housing stock is manufactured, mobile, or modular homes, which means your homeowner's policy needs to be tailored for that. Standard policies often fall short. We need to look at specialized mobile home coverage that properly accounts for replacement costs, not just actual cash value, especially with the lower median home prices we see around K-9 Highway and K-230 Road. Given our weather, those metal or asphalt shingle roofs common on these homes need robust protection against wind and hail.
For our local economy, Kirchhoff Grain Co. down on Muscotah Avenue is a cornerstone. For them, it's not just about property insurance for the grain elevator; it's critical to have solid commercial auto coverage for their trucks and general liability to protect their their extensive operations. Even our smaller local businesses, like Hydro Jetting and Mosquito Joe, need to think about commercial auto for their service vehicles and comprehensive general liability to cover the unique risks of their work, whether it's cleaning pipes or spraying for pests.
And let's be real, we live in Tornado Alley. Come summertime, the threat of tornadoes, damaging winds, and large hail is a constant. Your dwelling coverage needs to be top-notch, with a clear understanding of your wind and hail deductibles. Don't forget Cedar Creek; like much of Kansas, we're not immune to flooding. Standard homeowner policies don't cover floods, so a separate flood insurance policy is a smart move to protect against the kind of property damage the state has seen historically, despite FEMA's ongoing risk reduction efforts.
Population: 11 (2020)
Housing in Cedar
The housing stock in Cedar appears to include a notable presence of manufactured, mobile, and modular homes (Sources: https://homenation.com/state/kansas/city/cedar, https://impresamodular.com/state/kansas/cedar/). The median home price is significantly lower than the national average (Source: https://www.areavibes.com/cedar-ks/housing/). The prevalence of manufactured homes suggests typically newer construction compared to historic structures, with replacement costs and roof considerations aligning with those types of homes (e.g., metal or asphalt shingle roofs common on mobile homes), rather than traditional stick-built houses.
Major local employers & who's hiring
- Kirchhoff Grain Co — Agriculture/Grain Processing
Local Cedar businesses
A few businesses that call Cedar home — independent of our agency.
- Hydro Jetting in Cedar, KS — Plumbing / Drain & Sewer Cleaning
- Mosquito Joe of Cedar, KS — Pest Control
Local landmarks & geography
- Cedar Creek — Potential for flood risk for properties adjacent to or within its floodplain.
- K-9 Highway & K-230 Road (State Highways) — Proximity to state highways can affect property value, accessibility for emergency services, and potential for traffic-related incidents.
- Tornado Alley (General Wind Risk) — High risk of wind damage from tornadoes and severe storms, impacting wind insurance premiums and potential for property loss.
Local facts that shape your coverage
- Cedar Township, Jackson County, Kansas had a population of 1,392 according to recent census data. — Directly relevant to understanding the community.
- Kansas experiences a wide variety of summertime severe weather, including tornadoes, damaging winds, large hail, and flash flooding. — Provides context for severe weather risk in Cedar, KS.
- Floods in Kansas have caused millions of dollars in damage and loss of life, making them responsible for more property damage and loss of life than any other natural hazard nationwide. — Highlights the severity of flood risk in the broader region of Cedar, KS.
- FEMA has funded mitigation for 2,289 properties in Kansas, investing $186.7 million in flood risk reduction. — Indicates ongoing efforts to address flood risks in Kansas, relevant to Cedar, KS.
- The city of Cedar had a population of only 11 residents as of the 2020 U.S. Census. — Indicates a very small, close-knit community with limited infrastructure and services, impacting insurance market dynamics.
- The median home price in Cedar, KS is significantly lower than the national average, suggesting a different risk profile and potentially lower replacement costs for properties. — Affects property insurance premiums and coverage limits.
Local figures compiled from public sources: en.wikipedia.org · censusreporter.org · weather.gov · usgs.gov · fludzone.com · areavibes.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.
Cedar, KS insurance — common questions
How much does insurance cost in Cedar, KS?
Rates in Cedar 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 Cedar?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Cedar and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Cedar 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.