Published July 16, 2026 · 40 years in trucking & the trades
What we cover in Formoso
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Formoso choose a local agent
When you're in Formoso, Jewell 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 Formoso: the local picture
Living here in Formoso, you know firsthand that property insurance isn't just a formality—it's essential. With our homes, small businesses along Main Street, and agricultural operations being the backbone of the economy, safeguarding them against the unpredictable Kansas weather is paramount. We regularly see strong thunderstorms, and I've seen golf-ball sized hail and straight-line winds up to 66 mph rip through here. That means homeowners, farm owners, and commercial property policies need robust coverage for wind and hail, including adequate roof replacement costs. Given that many of our homes are older, it's crucial to consider extended replacement cost coverage to ensure you're not left short if a total loss occurs. Furthermore, with the National Weather Service issuing flash flood advisories, flood insurance, typically a separate policy, is a serious consideration for properties susceptible to rapid onset flooding, especially those near Lovewell Reservoir or low-lying areas.
Population: 94 (2020)
Housing in Formoso
Real estate listings show existing homes for sale, but no aggregated data on these characteristics or their implications for replacement cost/roof was found.
Major local employers & who's hiring
- Rock Hills USD 107 — Education possibly hiring
- Jewell County Government — Public Administration possibly hiring
- Continental Grain Company — Agriculture (Grain Elevator)
- Jewell County Hospital — Healthcare possibly hiring
Local landmarks & geography
- Main Street, Formoso, KS — Serves as the central commercial and social area; property values along Main Street may be influenced by local business activity and general town upkeep, though it is not formally designated as a historic district.
- Lovewell State Park / Lovewell Reservoir — Located approximately 24 miles from Formoso, the reservoir and park can impact flood risk for downstream or nearby properties. Recreational activity can also indirectly influence surrounding property values and traffic patterns.
- Kansas Highway 14 — A major state highway providing primary access to and through Formoso. Proximity to the highway can affect property values (e.g., commercial viability, noise, traffic accidents) and accessibility for emergency services.
- North Central Kansas Technical College (Beloit, KS) — While not directly in Formoso (Beloit is ~25 miles away), it is a significant regional educational institution. Its presence can influence the local workforce, attract students/staff to the wider area, and indirectly affect rental markets or property values in nearby communities, including Formoso.
Local facts that shape your coverage
- On June 25, 2019, a supercell thunderstorm tracked near Formoso, Kansas, bringing golf-ball sized hail and strong straight-line winds measured at 66 mph. — Direct evidence of severe weather events.
- Formoso, Kansas, receives severe weather warnings, watches, and advisories for thunderstorms, tornadoes, and flash floods as issued by the National Weather Service. — Indicates ongoing threat and official monitoring of multiple severe weather and flood hazards.
- As of the 2020 United States Census, the population of Formoso, Kansas, was 94. — Provides demographic context for the town.
- Formoso is a city located in Jewell County, Kansas. — Geographical context for local hazard planning and administration.
- As of the 2020 census, the population of Formoso, Kansas, was 94. — Provides context for the size of the community and its insurance market.
Local figures compiled from public sources: en.wikipedia.org · youtube.com · localconditions.com · en.wikipedia.org · jewellcountykansas.net · usfirm.us. 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.
Formoso, KS insurance — common questions
How much does insurance cost in Formoso, KS?
Rates in Formoso and Jewell 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 Formoso?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Formoso and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Formoso 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.