Published July 25, 2026 · 40 years in trucking & the trades
What we cover in Longton
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Longton choose a local agent
When you're in Longton, Elk 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 Longton: the local picture
Living in Longton, KS, means embracing the heartland's beauty and its challenges. For local business owners like those at Allen Contracting Tree Service or YR Renovation, **Equipment Insurance** is crucial, especially with the region's severe thunderstorm risks that can damage or destroy costly equipment. The city's location along the Cedar River also underscores the need for **Flood Insurance**, even with the area's low to moderate flood risk, as heavy rainfall events can still impact properties. The town's economic growth, though predicted to be lower than the national average, still offers opportunities. **Commercial Property Insurance** tailored for local grain elevators, co-ops like the Longton Grain Elevator, and retail establishments in Historic Downtown Longton is vital. These policies should account for the sales tax rate of 7.5%, ensuring businesses are fully covered in the event of losses. For residents, the increasing home values (up 13.0% over the past year, according to Zillow) make **Homeowners Insurance** a significant investment. Policies should consider the weather risks, including hail and strong gusts, to ensure adequate coverage. Employees of the City of Longton, Elk County USD 252, and local healthcare services should review their **Employer-Sponsored Insurance** for comprehensive health coverage, considering the local healthcare landscape.
Population: 288 (2020)
Housing in Longton
Late 20th Century to Early 21st Century (exact data not found, inferred from similar small Kansas towns) Primarily Frame Construction with some Brick and Possible Manufactured Homes (no specific historic district or new subdivision data available) Replacement costs likely moderate to high due to the need for custom or specialized labor for older frame and brick structures; roofs may require frequent inspection due to Kansas' weather patterns (source implication from general Kansas housing trends, https://www.bestplaces.net/)
Major local employers & who's hiring
- City of Longton — Government
- Elk County USD 252 (School District) — Education
- Local Grain Elevators/Co-ops (Specifics Not Found) — Agriculture
- No Specific Manufacturing Plants Found — Manufacturing
- Local Healthcare Services (No Specific Hospital Found in Longton) — Healthcare
Local Longton businesses
A few businesses that call Longton home — independent of our agency.
- Allen Contracting Tree Service — Lawn/Mowing, Tree Trimming
- YR Renovation (Shower Door Installation) — Contractors (Specialty)
- Cozy N Cafe — Restaurants
- Chautauqua Hills Farm — Farms
- The Elk River Ranch — Farms/Ranch
Local landmarks & geography
- Cedar River — Flood risk, especially for properties in low-lying areas near the river.
- Longton Historic Downtown — Value and potential wind/breaking glass risk due to older structures.
- None Identified (State Park) — No state park identified within or immediately near Longton, KS.
- US-160 — While not an interstate, proximity to this highway may increase risk of accidents or pollution for nearby properties.
- None Identified (University) — No university identified in Longton, KS. Nearest universities are in larger nearby cities.
- Longton Grain Elevator (Major Plant) — Potential for environmental or accident risk if not properly managed.
Local facts that shape your coverage
- Longton, KS is situated in the central Great Plains, prone to severe thunderstorms. — High
- No specific flood alerts are currently issued for Longton, KS, but the area can experience flooding from heavy rainfall. — Moderate
- Longton, KS has an elevation that makes it less prone to coastal or riverine flooding but vulnerable to flash flooding. — Moderate
- Real-time weather radar for Longton, KS, is available for monitoring severe weather events. — High
- Longton, KS, experiences a low to moderate flood risk, primarily during heavy rainfall events. — Emphasizes the need for flood insurance despite the moderate risk level.
- The typical home value in Longton, KS, has increased by 13.0% over the past year. — Highlights the growing need for adequate homeowners insurance coverage.
Local figures compiled from public sources: en.wikipedia.org · spc.noaa.gov · mapscaping.com · foxweather.com · cityoflongton.com · bestplaces.net. 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.
Longton, KS insurance — common questions
How much does insurance cost in Longton, KS?
Rates in Longton and Elk 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 Longton?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Longton and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Longton 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.