Published June 10, 2026 · 40 years in trucking & the trades
What we cover in Hiawatha
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Hiawatha choose a local agent
When you're in Hiawatha, Brown 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 Hiawatha: the local picture
Hiawatha's housing stock is older (median build year 1963) and roughly 1-in-4 occupied homes is a rental, so landlord/dwelling-fire and renters policies matter as much as homeowners coverage, and aging roofs raise replacement-cost exposure in a town where NWS has logged tornadoes and frequent magnitude-2+ events. With Manufacturing and Health Care among the top employers and a highway-crossroads retail base, commercial property, general liability, and workers-comp are core needs for local businesses. Hiawatha City Lake just south of town adds recreational boat/RV and watercraft coverage demand.
Population: 3,280 (2020)
Major local employers & who's hiring
- Hamlin Seed Company — wholesale
- Pederson Seed & Services — services
- Hiawatha Implement — ag-commercial
- Bruna Implement Company — services
- Shockley Implement Inc — ag-commercial
Local Hiawatha businesses
A few businesses that call Hiawatha home — independent of our agency.
- Hamlin Seed Company — ag-commercial
- Pederson Seed & Services — ag-commercial
- Hiawatha Implement — ag-commercial
- Bruna Implement Company — ag-commercial
- Cenex — c-store
- Citizens State Bank and Trust Company — financial
- Bank of Blue Valley — financial
- Coinme Cash - Buy Bitcoin at the Register — financial
- LibertyX Bitcoin ATM — financial
- GNBank — financial
- Casey's General Store — financial
- Coinstar Kiosk — financial
Local facts that shape your coverage
- Hiawatha had a population of 3,280 at the 2020 census, up 3.4% from 3,172 in 2010. — Small, stable market sizing for household and auto policy demand.
- Hiawatha is the seat and most populous city of Brown County, which had 9,508 residents at the 2020 census. — Defines the surrounding service area for a Hiawatha-based agency.
- In 2024 the largest industries in Hiawatha were Retail Trade (297 workers), Manufacturing (247) and Health Care & Social Assistance (208). — Manufacturing and health care drive commercial property, GL and workers-comp needs.
- Hiawatha has 1,582 total housing units with a median construction year of 1963; about 75.7% of occupied units are owner-occupied and 24.3% are renter-occupied. — Older homes mean higher replacement-cost/roof exposure, and the sizable rental share supports landlord and renters coverage.
- Census data show 1,590 housing units with a 13.3% overall vacancy rate (5.6% owner, 9.7% rental). — Vacant/seasonal dwellings need vacancy endorsements; rental vacancy informs landlord loss-of-rent coverage.
- The National Weather Service (Topeka) documented a tornado near Hiawatha on June 4, 2005, beginning about 6 miles south of the city and tracking east-northeast. — Real tornado exposure underpins wind/hail and replacement-cost coverage discussions.
- Severe-weather records show 83 tornado events of magnitude 2 or greater in or near Hiawatha, with tornado-damage risk about the Kansas average and much higher than the national average. — Justifies adequate wind/hail limits and roof replacement-cost vs. ACV choices.
- Hiawatha City Lake, a seven-acre impoundment about one mile south of the city, is used for recreation (picnicking and camping). — Local boating/fishing supports watercraft, boat and RV coverage demand.
- Hiawatha is a regional commerce center where U.S. Highways 36 and 73 converge. — Highway crossroads and a retail base point to commercial-auto and trucking/transportation exposure.
Local figures compiled from public sources: en.wikipedia.org · en.wikipedia.org · datausa.io · point2homes.com · weather.gov · usa.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.
Hiawatha, KS insurance — common questions
How much does insurance cost in Hiawatha, KS?
Rates in Hiawatha and Brown 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 Hiawatha?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Hiawatha and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Hiawatha 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.