Published June 25, 2026 · 40 years in trucking & the trades
What we cover in Ozawkie
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Ozawkie choose a local agent
When you're in Ozawkie, Jefferson 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 Ozawkie: the local picture
Living in Ozawkie, nestled right up against Perry Lake in Jefferson County, means your home is more than just a place to live; it's also exposed to some pretty specific risks we see here in Kansas. With a population around 638, we're a tight-knit community, largely made up of single-family homes, many of which might be older or even some newer builds following the town's relocation before the lake was built. This mix means varying construction types and values, all needing robust home insurance. Given our spot in 'Tornado Alley,' comprehensive coverage isn't just a suggestion—it's a necessity. We regularly face severe thunderstorms, hailstorms, and the ever-present tornado threat, especially spring and summer. You need to be sure your policy has adequate wind and hail coverage to protect against roof damage, broken windows, and structural issues that are unfortunately common here.
Then there's the water. Being right next to Perry Lake, and with its tributaries winding through the area, puts many properties at an elevated flood risk. Heavy rains or high lake levels can quickly turn a dry yard into a wet mess, or worse. Standard homeowners' policies don't cover flood damage, so anyone living near the lake or low-lying areas absolutely needs to consider a separate flood insurance policy. It's not just about what's on the surface; water can cause significant structural damage and destroy personal property, making flood insurance a critical line of defense for Ozawkie residents.
While we don't have massive industrial employers, our community likely supports local businesses, recreational activities around the lake, and residents who commute or work remotely. For these folks, beyond home protection, understanding auto insurance needs for daily commutes or recreational vehicles used on the lake is important. Ultimately, living in Ozawkie means embracing the natural beauty and community, but also proactively protecting your assets against the very real environmental challenges unique to our lakeside, Tornado Alley location.
Population: 638 (2020)
Local Ozawkie businesses
A few businesses that call Ozawkie home — independent of our agency.
- Casey's — c-store
- LibertyX Bitcoin ATM — financial
- ATM — financial
- Lawrence RV Center LLC — main-street
- Tires & Wheels — main-street
- Lago Vista Grill — main-street
- Sunyside Grill — main-street
Local facts that shape your coverage
- Ozawkie is a city located in Jefferson County, Kansas, United States. — High
- As of the 2020 census, the population of Ozawkie was 638 residents. — High
- The city of Ozawkie is situated adjacent to Perry Lake. — High
- Ozawkie was relocated to its current site without government funding prior to the construction of the Perry Lake reservoir. — Medium
- As of the 2020 census, the city of Ozawkie, Kansas, had a population of 638. — Population size influences local infrastructure, community resources, and general insurance market characteristics, often indicating a prevalence of residential over commercial policies.
- Ozawkie, Kansas, is situated in 'Tornado Alley' and experiences a high risk of severe weather, including tornadoes, hailstorms, and severe thunderstorms, particularly during the spring and summer months. Its adjacency to Perry Lake also increases flood potential, especially during heavy rainfall or high water levels. — This directly highlights the critical need for robust property insurance with comprehensive wind/hail coverage and separate flood insurance for residents.
Local figures compiled from public sources: en.wikipedia.org. 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.
Ozawkie, KS insurance — common questions
How much does insurance cost in Ozawkie, KS?
Rates in Ozawkie and Jefferson 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 Ozawkie?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Ozawkie and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Ozawkie 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.