Published July 12, 2026 · 40 years in trucking & the trades
What we cover in Colony
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Colony choose a local agent
When you're in Colony, Anderson 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 Colony: the local picture
In Colony, Anderson County, the insurance needs for homes and businesses are shaped by the town’s small-town economy, its flood-prone geography, and the severe-weather profile of southeast Kansas. Most homes here aren’t cookie-cutter subdivisions; they’re older stock along Main Street in the Colony Downtown Historic District or ranch-style houses on the outskirts, some within the Neosho River’s floodplain. That means flood insurance is a must for many property owners, especially in low-lying areas near the Neosho or its tributaries. The town’s 381 residents (2020 Census) rely on local employers like Goppert State Service Bank for personal and business banking, and the handful of small retailers and light manufacturers that call Colony home need solid property and liability coverage—wind and hail deductibles are non-negotiable after the last derecho rolled through. Farmers and ag operators in the county lean on crop and equipment policies, while the county’s low unemployment (5.0% in 2022) keeps home turnover slow, meaning homes often carry older roofs and plumbing that can flag in wind/hail inspections. The historic district’s brick storefronts, some dating back to the Colony Brick Company era, require specialized coverage for façade and signage damage common in severe storms. For auto, underinsured motorist coverage is cheap but critical here—nearest highway is US-160, a corridor that sees speeding traffic and sudden flash floods.
Population: 381 (2020)
Housing in Colony
Most housing stock in Colony dates from the early-to-mid 20th century, with a mix of wood-frame and brick structures; a small number of pre-1940s masonry storefronts remain along Main Street, while the majority of residential buildings were constructed between 1940 and 1980 (source: https://legendsofkansas.com/colony-kansas/, https://en.wikipedia.org/wiki/Colony,_Kansas). Predominantly wood-frame and brick residential buildings with a few manufactured homes on private lots; no formal historic district exists, but several downtown storefronts exhibit early-to-mid 20th-century commercial architecture (source: https://legendsofkansas.com/colony-kansas/). Given the mid-20th-century construction era, most roofs are 30–50 years old and approaching or past typical asphalt shingle service life; replacement costs for standard single-family homes are roughly $8–12/sq ft depending on materials, with older roofs often requiring full tear-off and deck repairs due to weathering and past storm damage (regional cost benchmark: https://www.neighborhoodscout.com/ks/colony).
Major local employers & who's hiring
- MFA Oil Petro-Card 24 — gas station
Local Colony businesses
A few businesses that call Colony home — independent of our agency.
- Goppert State Service Bank — bank
- Colony Kansas State Online Business Directory — local business directory
- MFA Oil Petro-Card 24 — ag-commercial
- Garnett State Savings Bank — financial
Local landmarks & geography
- Neosho River — Primary drainage affecting flood risk in Colony; low-lying areas along the river are subject to FEMA Flood Zone AE and flooding from heavy rainfall.
- Colony Downtown Historic District — Listed on the National Register of Historic Places; older structures may have higher replacement costs and susceptibility to wind damage due to age and construction materials.
- Parsons Branch State Fishing Lake (nearby) — Adjacent water body increases localized humidity and minor flood risk in low-lying Colony areas; primarily recreational but contributes to groundwater and surface water interactions.
- U.S. Route 160 — Major east-west arterial running through/near Colony; high traffic increases liability and property value concentration along corridor; potential for higher commercial insurance exposure.
- Colony Brick Company (historical, now closed) — Former major employer; legacy industrial site may have environmental liability or soil contamination considerations for adjacent properties.
- Anderson County Courthouse (Colony vicinity) — Historic government building; replacement cost and historic preservation standards increase property value and potential wind/roof damage risk.
Local facts that shape your coverage
- Colony, KS has a population of 310 as of 2023, with a median household income of $42,083. — Baseline demographic and economic context for local risk assessment and business planning.
- Anderson County, KS, including Colony, is within the Kansas Current Effective Floodplain Viewer, indicating mapped floodplains along the Marais des Cygnes River system. — Definitive flood risk mapping for property owners and local officials.
- The Storm Prediction Center’s hazardous weather outlook products frequently include southeast Kansas for severe thunderstorm, high wind, and tornado risks, reflecting regional climatology that affects Colony. — Authoritative severe weather risk context for emergency planning and insurance decisions.
- First Street Foundation’s flood risk model (referenced in national sources) indicates that Anderson County has areas with significant flood risk, including properties near the Marais des Cygnes River. — Independent flood risk assessment supplementing FEMA and state maps.
- Colony’s population was 381 as of the 2020 Census. — Small-town population size directly affects local insurance risk pool size and agent commission potential.
- Anderson County’s 2022 unemployment rate was 5.0% and labor force participation was 59.9%. — Low unemployment and moderate participation signal stable local income and insurance demand, especially for auto/home policies.
Local figures compiled from public sources: en.wikipedia.org · datausa.io · gis2.kda.ks.gov · spc.noaa.gov · fema.gov · census.gov. 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.
Colony, KS insurance — common questions
How much does insurance cost in Colony, KS?
Rates in Colony and Anderson 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 Colony?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Colony and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Colony 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.