Insurance in Meade, KS

What we cover in Meade

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Insurance in Meade: the local picture

Living here in Meade, we know what it means to be prepared, especially when it comes to our homes and vehicles. With the frequent severe weather, including those powerful tornadoes and hail storms we've seen, having solid property insurance isn't just a good idea—it's essential. You really need to check your homeowners and auto policies to ensure you have comprehensive coverage that specifically addresses wind and hail damage, and understand your deductibles. It's not uncommon for folks around Artesian Valley Health System or Meade Co-operative Elevator & Supply to deal with vehicle damage or even roof repairs after a big storm, so having the right protection means peace of mind.

Our community is tight-knit, with stable employers like Meade USD 226 and the City of Meade Government providing a strong local foundation. This often means consistent employment, but it also highlights the importance of life insurance to protect your loved ones' financial future, especially if you're the primary breadwinner. For our local businesses, from the agricultural operations to the oil and gas producers, specialized commercial policies are crucial to cover everything from equipment to liability. And with U.S. Route 54 running right through, we see our share of traffic, making robust auto insurance a must for everyone on the road.

While our median home values in Meade County hover around $208,591, protecting that investment goes beyond just storm damage. Even though specific local flood risk data can be tricky to pinpoint, FEMA reminds us that every county in the U.S. has experienced flooding. Standard homeowner policies don't cover floods, so considering a separate flood insurance policy is a smart move here, even if you're not in a designated high-risk area. It’s about being truly covered for whatever Mother Nature throws our way, so you can keep enjoying our beautiful Meade State Park and the quiet life downtown.

Population: 1505 (2020)

Major local employers & who's hiring

• Artesian Valley Health System (Meade District Hospital) — Healthcare hiring
• Meade USD 226 — Education
• Meade Co-operative Elevator & Supply — Agriculture/Grain Processing
• Meade County Government — Public Administration
• City of Meade Government — Public Administration
• The Cooperative Elevator & Supply Co. — ag-commercial
• Co-Op Elevator and Supply — mechanic

Local Meade businesses

A few businesses that call Meade home — independent of our agency.

• The Cooperative Elevator & Supply Co. — ag-commercial
• Co-Op Elevator and Supply — ag-commercial
• Love's Country Store — c-store
• Conoco — c-store
• Meade Car Car Center — c-store
• Meade State Bank — financial
• Integrity Bank — financial
• Teds Auto Repair of Meade — main-street
• DeLissa Ford, Inc. Service — main-street
• Bob's Drive-In — main-street
• Ace Hardware — main-street

Local landmarks & geography

• Meade State Park Fishing Lake — A body of water that can contribute to flood risk in surrounding areas, particularly for properties within or near the floodplain. It also enhances property values for recreational access.
• Meade State Park — A state park offering recreational amenities. Proximity to a state park can increase property values due to desirable natural surroundings and access to outdoor activities. It may also affect wildfire risk depending on vegetation.
• Downtown Meade / Meade County Courthouse — The presence of a historic downtown and courthouse suggests an area with older buildings that may require specialized insurance due to historical preservation guidelines, unique construction, or higher repair costs. It can also be an area of higher property value and commercial activity.
• U.S. Route 54 — A major highway running through the city. Proximity to a major highway can increase risks associated with traffic noise, vehicle accidents, and potential exposure to hazardous material spills. It also impacts accessibility and property values.

Local facts that shape your coverage

• As of the 2020 census, the city of Meade, Kansas, had a population of 1,505 residents. — Population data for the town.
• Meade serves as the county seat for Meade County, Kansas. — Administrative and geographical fact.
• Meade, KS has experienced 58 recorded tornado events since 1680, according to historical data. — Specific severe weather history.
• The Meade, KS area has had 37 reports of on-the-ground hail by trained spotters and 73 occasions where Doppler radar detected hail. — Specific severe weather history related to hail.
• The population of Meade, Kansas was 1,505 as of the 2020 census. — Population size influences the overall insurance market, community risk profiles, and the density of housing and vehicles, impacting personal and commercial insurance needs.
• The typical home value in Meade County, Kansas, is $208,591 (Zillow Home Value Index). — Median home value is a direct indicator of the average property value, which significantly impacts homeowners insurance coverage amounts and premiums.

Local figures compiled from public sources: en.wikipedia.org · tornadopath.com · interactivehailmaps.com · zillow.com · avhealthsystem.com · usd226.org. Estimates — verify current details with the original source.

📄 Read the full Meade insurance guide →

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.

Meade, KS insurance — common questions

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