Published June 27, 2026 · 40 years in trucking & the trades
What we cover in Clearwater
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Clearwater choose a local agent
When you're in Clearwater, Sedgwick 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 Clearwater: the local picture
Clearwater sits in south-central Kansas tornado alley — the 1991 Andover F5 was first reported on the ground just 1.5 miles south of town and the area took large hail again in April 2024 — so wind/hail deductibles and adequate replacement-cost dwelling limits are the central conversation for home and auto buyers here. With the Ninnescah River running west and south of the city, properties near the channel should be checked against the FEMA flood map, since a standard homeowners policy excludes flood and separate NFIP coverage may be warranted. A manufacturing- and healthcare-driven local workforce of about 1,300 points to demand for commercial property, general liability, and workers' compensation coverage alongside personal lines.
Population: 2,653 (2020)
Major local employers & who's hiring
- Clearwater Cooperative — ag-commercial
- Plains Cotton Coop PCCA Warehouse — warehouse
Local Clearwater businesses
A few businesses that call Clearwater home — independent of our agency.
- Plains Cotton Coop PCCA Warehouse — ag-commercial
- Jump Start — c-store
- Cenex — c-store
- Emprise Bank — financial
- Coinme Cash - Buy Bitcoin at the Register — financial
- LibertyX Bitcoin ATM — financial
- ATM — financial
- D & S Body Shop — main-street
Local facts that shape your coverage
- Clearwater's population was 2,653 at the 2020 U.S. Census, and it sits in Sedgwick County just southwest of Wichita. — Small south-central Kansas community in the Wichita metro orbit — personal and commercial lines base.
- The Ninnescah River runs to the west and south of Clearwater; the nearest USGS gauge is the Ninnescah River near Peck, KS (site 07145500). — River proximity creates localized flood exposure — flood is excluded by standard homeowners policies, so NFIP/flood coverage may be needed for properties near the channel.
- The April 26, 1991 Andover F5 tornado was first reported on the ground about 1.5 miles south of Clearwater before strengthening as it moved northeast through Sedgwick County, killing 17, injuring 225, and causing roughly $300 million in damage. — Documents real, severe tornado risk at Clearwater's doorstep — drives need for adequate wind/replacement-cost dwelling limits.
- Clearwater reported hail during the April 30, 2024 severe-weather event that brought tornadoes and large hail to south-central Kansas. — Recent hail event underscores frequent wind/hail claims — informs roof age questions and wind/hail deductible discussions for home and auto.
- The 2020 census counted 985 housing units in Clearwater with a 5.2% vacancy rate; 2016-2020 ACS median household income was $73,073 and median family income $84,167. — Mostly owner-occupied housing stock and solid household incomes support homeowners, dwelling, and personal-auto demand.
- Clearwater's workforce is about 1,310 people, led by Manufacturing (~230), Health Care & Social Assistance (~221), and Educational Services (~171); median household income is about $83,879. — Manufacturing and healthcare employment base points to commercial property, general liability, and workers' compensation needs alongside personal lines.
- Clearwater is served by the Clearwater USD 264 public school district. — School district is a major local institution and employer, anchoring the local economy and education-sector jobs.
Local figures compiled from public sources: en.wikipedia.org · worldpopulationreview.com · weather.gov · ksn.com · waterdata.usgs.gov · datausa.io. 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.
Clearwater, KS insurance — common questions
How much does insurance cost in Clearwater, KS?
Rates in Clearwater and Sedgwick 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 Clearwater?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Clearwater and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Clearwater 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.