Published July 10, 2026 · 40 years in trucking & the trades
What we cover in Gaylord
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Gaylord choose a local agent
When you're in Gaylord, 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 Gaylord: the local picture
Living here in Gaylord, we know our homes are more than just structures; they're often older, wood-frame places that have stood the test of time, alongside some manufactured homes. That means when the Central Kansas weather rolls in with its frequent hail and the potential for tornadoes, your dwelling coverage is front and center. You'll want to make sure you've got solid replacement cost coverage, not just actual cash value, especially given that repairs on older homes can sometimes need specialized attention or materials. Don't skimp on your roof coverage; those hailstorms can be brutal on shingles, and a good policy makes all the difference.
Our economy is deeply rooted in agriculture, with folks working hard at places like Midway Co-op, a long-standing partner in farming for over a century. For our local businesses, especially those tied to the fields and the co-op, that means farm and ranch policies, commercial auto insurance for all those pickups and delivery trucks, and general liability are non-negotiable. Even the City of Gaylord, as an employer, has its own unique insurance needs to keep things running smoothly for all of us. It’s about protecting the livelihoods that keep our small town going.
While we enjoy the Solomon River Valley and rely on U.S. Highway 281 and Kansas Highway 9 for getting around, it's also a reminder of potential risks. For flood insurance, specific local maps aren't easily found, so anyone near the river or in a low-lying area should definitely check with the FEMA Flood Map Service Center directly. For auto insurance, given our rural roads and the distances we sometimes travel, adequate liability and comprehensive coverage are just smart choices.
Population: 87 (2020)
Housing in Gaylord
The housing stock in Gaylord primarily consists of older, single-family homes, largely wood-frame construction, common in small rural Kansas towns. Manufactured homes are also present. Due to the small population, new subdivisions or formal historic districts are unlikely. The age of these homes suggests that replacement costs for roofs and structures might be influenced by the need for specialized repairs for older buildings or the availability of local labor and materials. Sources: https://www.trulia.com/KS/Gaylord/67638/, https://www.manufacturedhomes.com/city/Gaylord/Kansas/
Major local employers & who's hiring
- Midway Co-op — Agriculture Actively hiring
- City of Gaylord — Government/Public Administration Actively hiring
Local landmarks & geography
- Solomon River Valley — Properties in or near the valley are subject to flood risk from the Solomon River, which can impact flood insurance premiums and coverage needs.
- U.S. Highway 281 — Proximity to a major highway can affect property access, noise levels, and potential for vehicle-related incidents, which may influence certain insurance considerations.
- Kansas Highway 9 — Proximity to a state highway can affect property access, noise levels, and potential for vehicle-related incidents, which may influence certain insurance considerations.
Local facts that shape your coverage
- As of the 2020 census, the population of Gaylord, Kansas, was 87. — Provides basic demographic information for the town.
- An EF0 tornado developed two miles southeast of Gaylord, Kansas, in Smith County on May 4, 2007, traveling 0.1 miles with a maximum width of 40 yards. — Highlights a historical severe weather event directly impacting the vicinity of Gaylord.
- Doppler radar has detected hail at or near Gaylord, Kansas, on 112 occasions, including 7 occasions during the past year. — Indicates a significant and recurring risk of hail events in the area.
- Gaylord, Kansas, is located in Smith County. — Provides geographical context for the town.
- As of the 2020 census, the population of Gaylord, Kansas, was 87. — A small population can impact local resources for claims and specialized repairs, making comprehensive coverage even more important.
- The median age in Gaylord, Kansas, was 52 years. — An older median age often correlates with older housing stock, reinforcing the need for specific coverage considerations for aging infrastructure and replacement costs.
Local figures compiled from public sources: data.census.gov · en.wikipedia.org · highwaysandhailstones.com · interactivehailmaps.com · midwaycoop.com · tripadvisor.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.
Gaylord, KS insurance — common questions
How much does insurance cost in Gaylord, KS?
Rates in Gaylord 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 Gaylord?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Gaylord and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Gaylord 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.