Published July 1, 2026 · 40 years in trucking & the trades
What we cover in Holyrood
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Holyrood choose a local agent
When you're in Holyrood, Ellsworth 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 Holyrood: the local picture
Population: 403 (2020)
Housing in Holyrood
Most housing stock dates to the late 19th and early-to-mid 20th centuries, with a mix of wood-frame and brick structures; a few manufactured homes are present, and there is no designated historic district Older roofs are common due to the age of the housing stock; replacement costs are moderate given the rural market, but frequent weather exposure (hail/wind) can accelerate wear
Local Holyrood businesses
A few businesses that call Holyrood home — independent of our agency.
- Cenex — c-store
- C&V's Convenience Store — c-store
- Bank of Holyrood — financial
- Holyrood Motor Co — main-street
Local landmarks & geography
- US-181 Highway — Primary north-south route through Holyrood; exposure to traffic density and potential liability; high traffic volumes can increase property and casualty risk due to accidents and roadside exposures.
- Central Prairie Co-op (Grain Elevator & Ag Services) — Major local employer and critical infrastructure; fire/explosion risk from grain dust, property value concentration, and business interruption exposure for agribusiness insurance.
- Historic Downtown District (City Hall area, 67450) — Designated as a cohesive historic district with buildings on the National Register; increased property value and potential wind/hail risk due to older building envelopes; historic preservation restrictions may limit repair/rebuild options, affecting coverage and valuation.
- Ellsworth County (surrounding) — Regional floodplain and storm risk context; Holyrood is within Ellsworth County, which has documented flood exposure areas; FEMA and NOAA sources indicate central Kansas counties are subject to flash flooding and severe thunderstorm winds.
- Smoky Hills Region (geography) — Holyrood lies within the Smoky Hills physiographic region; rolling terrain and soil composition can contribute to localized flooding and drainage issues, affecting flood risk assessments.
Local facts that shape your coverage
- Holyrood is a city in Ellsworth County, Kansas, with a population of 403 as of the 2020 U.S. Census. — Establishes the town’s identity and small size, relevant for risk planning and local economic context.
- Holyrood’s floodplain management ordinance (Ordinance 626) was recently revised to incorporate updated floodplain zoning, reflecting recognized flood hazards in the community. — Confirms active local governance of flood risk and regulatory attention to floodplain areas within the town.
- Kansas is situated within ‘Hail Alley,’ and Ellsworth County has a history of severe hail events, with interactive hail maps showing frequent hail tracks crossing the region. — Contextualizes Holyrood’s exposure to hail, a major severe-weather hazard in central Kansas.
- As of 2020, Holyrood’s population was 403, with recent estimates showing a slight decline, indicating a small, stable community with limited resources for recovery from repeated severe-weather events. — Small population size and stability are important for emergency planning and insurance risk assessment.
Local figures compiled from public sources: en.wikipedia.org · indyrepnews.com · restoremastersllc.com · zipcodestogo.com · simplyhired.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.
Holyrood, KS insurance — common questions
How much does insurance cost in Holyrood, KS?
Rates in Holyrood and Ellsworth 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 Holyrood?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Holyrood and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Holyrood 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.