Published June 13, 2026 · 40 years in trucking & the trades
What we cover in Lyons
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Lyons choose a local agent
When you're in Lyons, Rice 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 Lyons: the local picture
Lyons is a small Rice County seat (pop. 3,611) where salt producers Lyons Salt Company and Compass Minerals, alongside a surrounding farm economy, support demand for commercial-property, workers-comp, and commercial-auto/trucking coverage. With median owner-occupied home values near $104,800 — about half the Kansas median of roughly $217,200 — affordable dwelling limits fit most homeowners, while a notable rental segment (18.9% rental vacancy) supports landlord and renters policies. Because central Kansas is high tornado and hail country (a brief tornado and up to tennis-ball-size hail struck Rice County in Oct 2017), adequate wind/hail roof coverage and replacement-cost dwelling limits matter here.
Population: 3,611 (2020)
Major local employers & who's hiring
- Kansas Ethanol Llc — service
- Lyons - Central Prairie Co-op — food
- Pollard - Central Prairie Co-op — food
- Compass Minerals Lyons Plant — manufacturer
Local Lyons businesses
A few businesses that call Lyons home — independent of our agency.
- Kansas Ethanol Llc — ag-commercial
- Livestock Nutrition Center — ag-commercial
- Lyons - Central Prairie Co-op — ag-commercial
- Yesway — c-store
- White's Foodliner — c-store
- Casey's — c-store
- Bomgaars — c-store
- Cenex — c-store
- Lyons Federal Bank — financial
- First Bank — financial
- Peoples Bank and Trust — financial
- Dispatch Freight Services, LLC. — trucking
Local facts that shape your coverage
- Lyons had a population of 3,611 at the 2020 census and is the county seat and largest city of Rice County, KS. — Defines the local market size for personal lines (home, auto, renters) — a small rural county seat.
- Lyons Salt Company and Compass Minerals both operate on the southeast side of Lyons; the Compass Minerals Lyons salt plant has operated since 1911, producing water-conditioning, food-grade, and agricultural salt. — Industrial salt employers plus a surrounding farm economy drive commercial-property, workers-comp, and trucking/commercial-auto insurance needs.
- Median value of owner-occupied homes in Lyons is about $104,800 — roughly half the Kansas statewide median of about $217,200. — Lower home values mean lower, more affordable dwelling limits for most homeowners in the market.
- The 2020 census counted 1,712 housing units in Lyons with a 14.6% overall vacancy rate, a 4.0% homeowner vacancy rate, and an 18.9% rental vacancy rate; average household size is 2.2 people. — A meaningful rental segment and aging small-town housing stock affect landlord/dwelling-fire underwriting and vacancy exposure.
- Central Kansas is high severe-weather country — Kansas ranks 3rd nationally at 4.4 tornadoes per 100 square miles, with peak frequency from mid-April through mid-June. — Establishes baseline tornado/wind/hail exposure that drives home and auto comprehensive claims and roof coverage decisions.
- On Oct 6, 2017, a supercell produced a brief EF-0 tornado in Rice County and up to tennis-ball-size hail, with straight-line wind damage (downed large branches, displaced sheds) northeast of Lyons. — Documented local hail and wind events justify wind/hail roof coverage, replacement-cost dwelling limits, and auto comprehensive.
- Lyons Main Street follows U.S. Highway 56, which is based on the historic Santa Fe Trail route through Rice County. — A U.S.-highway commercial corridor running through town supports commercial-auto and through-traffic exposure considerations.
Local figures compiled from public sources: en.wikipedia.org · compassminerals.com · travelks.com · censusreporter.org · weather.gov · weather.gov. 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.
Lyons, KS insurance — common questions
How much does insurance cost in Lyons, KS?
Rates in Lyons and Rice 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 Lyons?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Lyons and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Lyons 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.