Published July 27, 2026 · 40 years in trucking & the trades
What we cover in Long Island
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Long Island choose a local agent
When you're in Long Island, Phillips 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 Long Island: the local picture
Living in Long Island, you know what 'Tornado Alley' truly means. Our homes, many of which are older frame or manufactured types with a median value around $78,800 in 2024, face a constant threat from severe thunderstorms, hail, and tornadoes. That's why robust dwelling coverage, specifically tailored to handle wind and hail damage, isn't just a recommendation—it's a necessity. We need to talk about your roof, too; while the structure's replacement cost might be lower, roof replacement is standard, and after a good hail storm, you'll want to be sure you're fully covered without unexpected out-of-pocket expenses. Don't forget about your vehicles either; comprehensive auto coverage is crucial here for those unexpected weather events.
Beyond the sky, we're also on the radar for historical flood risks. Standard homeowner's policies don't cover flood damage, so a separate flood insurance policy, easily assessed via FEMA maps, is a smart move for protecting your biggest investment. For our local businesses like Long Island Feed & Grain LLC and BRB Tree Service, and even institutions like the USD 325 Phillipsburg School District that serves our community, comprehensive property and liability insurance are key. The agricultural sector, a cornerstone of our economy, also needs specialized coverage like crop insurance to protect against the very weather elements that threaten our homes.
With US Highway 183 running through the area, vehicle traffic, including commercial vehicles, is a constant, making adequate auto liability and uninsured/underinsured motorist coverage important for everyone on the road. Whether you're working in healthcare, information, or out in the fields—which are among the highest paying industries here—understanding your personal property coverage and potential income protection needs is just as vital as protecting your home from the next big storm.
Population: 136 (2024)
Housing in Long Island
The median property value in Long Island, KS was $78,800 in 2024. Given the small population and lack of new single-family construction permits in Phillips County in 2023, the housing stock is likely older, consisting predominantly of frame or manufactured homes. There is no information suggesting historic districts or new subdivisions. This indicates generally lower replacement costs for the structure itself, while roof replacement costs would be standard based on materials. Source: https://datausa.io/profile/geo/long-island-ks/, https://www.city-data.com/county/Phillips_County-KS.html
Major local employers & who's hiring
- USD 325 Phillipsburg School District — Education hiring
- Long Island Feed & Grain LLC — Agriculture/Wholesale Animal Feed/Grain
Local Long Island businesses
A few businesses that call Long Island home — independent of our agency.
- BRB Tree Service — Tree Trimming / Arborist
Local landmarks & geography
- Local Reservoir (unnamed in search results) — Proximity to a reservoir can increase flood risk for properties in low-lying areas or within floodplains, and may influence water damage insurance premiums.
- US Highway 183 — Properties adjacent to major highways may experience higher noise pollution and potentially increased vehicle-related incidents, which could affect property value and certain types of insurance (e.g., liability for accidents entering/exiting property).
- Historic Downtown/District — No specific historic downtown or district was identified through web searches for Long Island, KS. If one existed, it would typically affect property values due to architectural significance and special insurance considerations for historic preservation.
- State Park — No state parks were identified within or immediately near Long Island, KS through web searches. Proximity to a state park could affect property values (positively) and potentially wind/wildfire risk depending on the park's nature.
- University — No university is located in Long Island, KS. The closest universities are the University of Nebraska at Kearney and Fort Hays State University. The presence of a university typically influences rental markets, property values, and demand for certain types of insurance.
- Major Plant/Employer — No major industrial plants or large employers were identified in Long Island, KS through web searches. The presence of such facilities can impact local employment, property values, and potentially environmental risks affecting insurance.
Local facts that shape your coverage
- As of the 2020 United States Census, the city of Long Island, Kansas, had a population of 137 people. — Direct population data for the town.
- Phillips County, Kansas, which includes Long Island, has experienced hail events, with pea-sized hail recorded 6.4 miles WNW of Prairie View, KS. — Specific severe weather event in the immediate region.
- Kansas is widely recognized for its location within 'Tornado Alley,' indicating a high susceptibility to tornado activity. — Regional severe weather characteristic directly impacting the area.
- The FEMA Flood Map Service Center allows residents to find official flood maps and hazard products to understand specific flood risks for their property. — Tool for assessing local flood risk.
- The economy of Long Island, KS employs 64 people, primarily in Health Care & Social Assistance, Information, and Agriculture, Forestry, Fishing & Hunting. — This directly impacts commercial insurance needs for these sectors and highlights potential income protection considerations for residents.
- Long Island, KS and the surrounding region are prone to severe weather, including a documented EF3 tornado that struck nearby Norton County on June 20, 2011. — This emphasizes the critical need for robust wind and hail coverage in both personal and commercial property insurance policies due to the high risk of severe weather events.
Local figures compiled from public sources: datausa.io · en.wikipedia.org · interactivehailmaps.com · en.m.wikipedia.org · msc.fema.gov · youtube.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.
Long Island, KS insurance — common questions
How much does insurance cost in Long Island, KS?
Rates in Long Island and Phillips 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 Long Island?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Long Island and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Long Island 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.