Published July 24, 2026 · 40 years in trucking & the trades
What we cover in Lorraine
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Lorraine choose a local agent
When you're in Lorraine, 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 Lorraine: the local picture
Living here in Lorraine, you know that our homes are the heart of our community. With a median construction year of 1957, many of our houses have that classic charm, but they also come with specific insurance considerations. Older wiring, plumbing, and roofing materials common to that era mean your standard policy might not fully cover the cost of bringing things up to current building codes after a loss. That's why we always talk about 'Ordinance or Law' coverage; it's crucial for protecting your investment in these beautiful, seasoned homes. And with the frequent severe weather we get, especially the hail, ensuring your roof is adequately covered with a good wind/hail deductible is non-negotiable.
Our local employers, like Central Prairie Co-op, Ellsworth USD 327, and the City of Lorraine, keep our town running. For folks working at the Co-op, especially if they're bringing equipment or vehicles home, we need to make sure their personal auto and home policies reflect any unique exposures. And for everyone, living in 'Tornado Alley' means comprehensive auto coverage isn't just a suggestion—it's a necessity for protecting against hail and wind damage. Beyond that, the proximity to Kanopolis State Park means many of us enjoy the outdoors with boats, ATVs, or RVs. We need to make sure those recreational vehicles are properly insured and that your personal liability coverage is robust enough for all your adventures.
Finally, we all know our weather here isn't just about the occasional storm. The risk of tornadoes and significant hail is real, driving the need for robust dwelling and personal property coverage. Even though specific flood maps for Lorraine aren't widely available, Ellsworth County sees its share of flash flood advisories and heavy rainfall. This means we should always discuss flood insurance, even if you're not in a designated zone, and ensure your policy includes water backup and sump pump failure coverage. It's about being prepared for what our Kansas weather throws at us.
Population: 137 (2020)
Housing in Lorraine
The local housing stock primarily consists of single-family, detached homes, with a median year of construction of 1957. This suggests an older housing inventory. Source: https://www.city-data.com/city/Lorraine-Kansas.html
Major local employers & who's hiring
- Central Prairie Co-op — Agriculture/Grain Processing hiring
- Ellsworth USD 327 — Education hiring
- City of Lorraine — Local Government hiring
Local landmarks & geography
- Kanopolis State Park — Proximity to a state park can affect property values positively due to recreational opportunities. It also introduces natural elements like wildlife and potential for wildfires in dry conditions, which could be relevant for insurance.
Local facts that shape your coverage
- As of the 2020 census, the population of Lorraine, Kansas, was 137 residents. — Provides basic demographic information for the town.
- Ellsworth County, where Lorraine is located, has recorded 62 tornado events since 1680 through the end of 2024. — Highlights the significant historical risk of tornadoes in the immediate area.
- Ellsworth County has experienced severe hail events, including one recorded event with 2.00-inch diameter hail. — Indicates a specific type of severe weather hazard common to the area.
- Kansas is part of 'Tornado Alley,' a region where tornadoes are most frequent, contributing to the overall severe weather risk for Lorraine. — Contextualizes Lorraine's severe weather risk within a broader geographical phenomenon.
- As of the 2020 census, the population of Lorraine, Kansas, was 137. — Smaller populations can sometimes influence insurance risk pools and local service availability.
- The median household income in Lorraine, KS is below the Kansas state average. — Lower median incomes can impact affordability of higher deductibles or comprehensive coverage options, requiring careful policy tailoring.
Local figures compiled from public sources: en.wikipedia.org · en.wikipedia.org · tornadopath.com · ncei.noaa.gov · en.wikipedia.org · city-data.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.
Lorraine, KS insurance — common questions
How much does insurance cost in Lorraine, KS?
Rates in Lorraine 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 Lorraine?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Lorraine and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Lorraine 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.