Published July 23, 2026 · 40 years in trucking & the trades
What we cover in Lost Springs
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Lost Springs choose a local agent
When you're in Lost Springs, Marion 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 Lost Springs: the local picture
Living in Lost Springs, we know how quickly the weather can turn, and that's why our property insurance needs to be robust. With spring and fall bringing tornado and severe thunderstorm risks, solid wind and hail coverage isn't just a good idea—it's essential. Many of our homes, often older, single-family frames or manufactured housing with a mean value around $106,367, will need careful assessment for replacement costs. We need to make sure our dwelling coverage is adequate to rebuild what we have, considering the age and construction type. Don't forget those detached structures, like sheds and barns, which are common here in our agricultural community; they need proper coverage too.
Beyond the wind and hail, we can't overlook the potential for flooding, which isn't covered by a standard homeowner's policy. Given Kansas's history with significant flood events and our location near the historic Lost Spring, it's wise to consider a separate flood insurance policy, especially if you're in a designated FEMA flood zone. For our local businesses, including those associated with Centre Unified School District 397, commercial property and general liability are key, as is workers' compensation. Even for our small agricultural operations, ensuring adequate coverage for equipment and crops against weather events is crucial.
Considering the age of our housing stock, often consisting of single-family frame homes, a thorough assessment of roof condition is paramount. A well-maintained roof is your first line of defense against the high winds and hail we experience. We should also discuss coverage for older systems and potential ordinance or law coverage to bring properties up to current codes during a rebuild.
Population: 55 (2020)
Housing in Lost Springs
Specific details on the housing stock for Lost Springs are limited. However, mean prices for all housing units in 2024 were around $106,367. Given its small, rural nature, the housing stock is likely older, primarily consisting of single-family frame homes, with potential for manufactured housing. This suggests a need for careful assessment of replacement costs and roof condition due to age and potential for wear. (Source: https://www.city-data.com/city/Lost-Springs-Kansas.html)
Major local employers & who's hiring
- Centre Unified School District 397 — Education Actively hiring
Local landmarks & geography
- Lost Spring (historic) — The town is named for this historic spring, a former camping spot along the 19th-century Santa Fe Trail. While not a current significant body of water affecting flood risk, it is the defining historical geographic feature of the area.
- Tornado/Wind Risk — Lost Springs-area historical tornado activity is near the Kansas state average and 59% greater than the overall U.S. average, indicating a higher risk for wind and tornado damage for property insurance.
Local facts that shape your coverage
- As of the 2020 census, the population of Lost Springs, Kansas, was 55. — Population size
- Lost Springs is located in Marion County, Kansas. — Geographic location
- The city was named for a nearby 'lost spring' that served as a camping spot along the 19th-century Santa Fe Trail. — Historical origin of name
- Lost Springs, KS, is subject to severe weather warnings, watches, and advisories, including for thunderstorms and tornadoes, as issued by the National Weather Service. — Hazard fact: Severe weather
- As of the 2020 census, the population of Lost Springs, Kansas, was 55. — The small population size can influence the local insurance market, potentially affecting the availability and pricing of certain niche coverages due to a smaller risk pool.
- Centre Unified School District 397 serves not only Marion County but also parts of Morris, Chase, and Dickinson counties. — For businesses providing services to the school district, this indicates a broader operational area, which could impact commercial auto coverage, workers' compensation, and general liability needs.
Local figures compiled from public sources: en.wikipedia.org · localconditions.com · ballotpedia.org · core-docs.s3.us-east-1.amazonaws.com · 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.
Lost Springs, KS insurance — common questions
How much does insurance cost in Lost Springs, KS?
Rates in Lost Springs and Marion 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 Lost Springs?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Lost Springs and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Lost Springs 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.