Published July 28, 2026 · 40 years in trucking & the trades
What we cover in Lone Elm
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Lone Elm choose a local agent
When you're in Lone Elm, Anderson 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 Lone Elm: the local picture
Living here in Lone Elm, with our tight-knit community of just 27 folks, you know your neighbors and you know the lay of the land. Our homes, mostly single detached and a few rowhouses, likely lean towards the older side, meaning replacement cost policies need a real close look. You don't want to find out after a fire or significant damage that your payout won't cover rebuilding a charming older home with its unique character. Given the 18 housing units, it's clear each property is a significant part of our small town, and protecting that investment from the ground up, including the roof, is paramount. Then there's the weather – it's no secret we're in Tornado Alley. With hail detected 75 times, including 5 in the last year, and 18 severe weather warnings, robust roof coverage isn't just a good idea; it's essential for every homeowner. Those spring and early summer months from April through June are especially critical. For our local businesses, like River Rock Landscaping and Homemeister LLC, and our main employer, Crest Unified School District No. 479, commercial general liability, property, and even commercial auto are vital. River Rock, for instance, needs to ensure their equipment is covered whether it's on a job site or in transit. Kansas has a history of flooding, and you don't want to be caught off guard. For everyone, from the school district employees to the local business owners and homeowners, having comprehensive, tailored coverage isn't a luxury; it's a necessity for peace of mind in our resilient little town.
Population: 34 (2020)
Housing in Lone Elm
Lone Elm, KS, primarily features single detached homes and rowhouses, predominantly with two- and three-bedroom layouts, offering a peaceful environment with tranquil streets. There were 18 housing units reported. Given the small size of the community, it is likely that the housing stock consists of older, mixed construction homes, which would impact replacement cost and roof considerations based on individual property conditions rather than broad community trends. Source: https://en.wikipedia.org/wiki/Lone_Elm,_Kansas, https://www.remax.com/neighborhoods/lone-elm-real-estate-guide-g35_9yu28yfp
Major local employers & who's hiring
- Crest Unified School District No. 479 — Education Yes, hiring for Part-Time Custodian and Substitute Custodian positions.
Local Lone Elm businesses
A few businesses that call Lone Elm home — independent of our agency.
- River Rock Landscaping — Landscaping/Lawn Care
- Homemeister LLC — Plumbing/Septic/Gas Line Installation
Local landmarks & geography
- Cedar Creek — Potential flood risk for properties located near the creek.
- Lone Elm Campground and Wagon Wheel Tracks — Historic site; may affect property values or development restrictions for nearby land due to historical preservation considerations.
Local facts that shape your coverage
- The Lone Elm, KS area has been under severe weather warnings 18 times during the past 12 months. — High
- Doppler radar has detected hail at or near Lone Elm, KS on 75 occasions, including 5 occasions during the past year. — High
- Flooding has shaped Kansas history more than any other natural hazard, with a catastrophic 1951 flood inundating over 2 million acres. — Medium
- Severe weather is a known concern in Kansas, with April through June identified as the peak tornado season. — Medium
- As of the 2020 census, the population of Lone Elm, Kansas, was 27. — Indicates a very small, rural community, which can impact insurance market dynamics and the availability of specialized services.
Local figures compiled from public sources: censusreporter.org · interactivehailmaps.com · homedatareports.com · apps.usfa.fema.gov · en.wikipedia.org · iolaregister.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.
Lone Elm, KS insurance — common questions
How much does insurance cost in Lone Elm, KS?
Rates in Lone Elm and Anderson 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 Lone Elm?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Lone Elm and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Lone Elm 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.