Published June 20, 2026 · 40 years in trucking & the trades
What we cover in Girard
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Girard choose a local agent
When you're in Girard, Crawford 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 Girard: the local picture
Girard is an agriculture-anchored county seat of about 2,500 people whose older housing stock (homes averaging 1969) and roughly one-third renter base point to strong demand for home, dwelling-fire, landlord and renters coverage. Sitting squarely in Kansas tornado alley — with a real local record including the 1982 F3 near Girard and the deadly 2003 F4 near McCune in Crawford County — makes wind/hail protection, adequate replacement-cost limits and mobile-home coverage a priority conversation. Major employers like Girard Medical Center and USD 248, plus the surrounding farm economy, drive the commercial, workers-comp and farm/ranch lines BNW can write.
Population: 2,496 (2020)
Major local employers & who's hiring
- Producers Cooperative Association - Agronomy Center — service
- Mid-West Fertilizer — service
- Producers Cooperative Association - Main Office & Elevator — association_or_organization
- Producers Cooperative Association - Farm Store — wholesaler
- Greenbush Seed & Supply Inc — supplier
- Craw-Kan Telephone Cooperative — service
Local Girard businesses
A few businesses that call Girard home — independent of our agency.
- Producers Cooperative Association - Agronomy Center — ag-commercial
- Mid-West Fertilizer — ag-commercial
- Producers Cooperative Association - Main Office & Elevator — ag-commercial
- Producers Cooperative Association - Farm Store — ag-commercial
- PETE'S — c-store
- Casey's — c-store
- Phillips 66 — c-store
- Cenex — c-store
- Community National Bank & Trust — financial
- GNBank — financial
- GNBank Operations Center — financial
- Exchange State Bank — financial
Local facts that shape your coverage
- Girard had a population of 2,496 as of the 2020 census and is the county seat of Crawford County, in the southeast corner of Kansas. — Small, stable county-seat market: a core base for personal home, auto and renters policies plus the commercial accounts that anchor a county seat (courthouse town).
- Girard Medical Center is a 25-bed critical access hospital located at 302 North Hospital Drive in Girard. — A hospital is one of the largest local employers, driving demand for commercial property, general/professional liability and workers-compensation coverage in town.
- Girard USD 248 is a rural school district spanning 263 square miles in southeast Kansas, headquartered in Girard. — A geographically large district means staff commuting rural roads (personal auto exposure) and is itself a major institutional employer in the area.
- The economy of the Girard area is dominated by agriculture, after a 20th-century base in coal mining and smelting (abandoned zinc and lead smelter sites remain in the area). — Farm and ranch policies, farm auto/equipment and commercial coverage for ag-related operations are central insurance needs in this market.
- The average home in Girard was built in 1969, and roughly 33% of residents rent rather than own (32.97% rent). — Older housing stock raises home-insurance concerns around aging roofs, wiring and plumbing; the sizable renter share supports demand for renters and landlord/dwelling-fire policies.
- Girard lies in Kansas tornado alley — NWS ranks Kansas 3rd nationally at 4.4 tornadoes per 100 square miles (behind Oklahoma and Florida), with peak frequency from mid-to-late April through mid-June. — High tornado and hail exposure makes wind/hail deductibles, adequate dwelling replacement-cost limits and prompt roof claims a central coverage conversation.
- An F3 tornado developed about 4 miles east of Girard on March 15, 1982 (2 killed, 8 injured along its 70-mile track into Missouri), and in May 2003 a violent tornado initially rated F4 struck near McCune in Crawford County, killing four — the biggest tornado in the county in recent memory. — Documented local tornado damage underscores the need for properly valued home/commercial property limits and mobile-home coverage in a county with a real disaster record.
Local figures compiled from public sources: en.wikipedia.org · en.wikipedia.org · girardmedicalcenter.com · girard248.org · bestneighborhood.org · weather.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.
Girard, KS insurance — common questions
How much does insurance cost in Girard, KS?
Rates in Girard and Crawford 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 Girard?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Girard and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Girard 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.