Published July 17, 2026 · 40 years in trucking & the trades
What we cover in Raymond
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Raymond choose a local agent
When you're in Raymond, 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 Raymond: the local picture
Folks in Raymond, with our tight-knit community of 85 residents, know the importance of looking out for each other, and that extends to protecting our homes and businesses. Our older housing stock, largely frame and brick with some manufactured homes mixed in, means that getting your dwelling coverage right is critical. Replacement cost coverage, especially for roofs, is a must here. Given we're smack dab in 'Tornado Alley,' wind and hail deductibles are something we talk about a lot. It’s not a matter of if, but when, a severe storm rolls through. And with Rattlesnake Creek nearby and the general lay of the land, flood insurance is a smart move that standard policies don't cover – something to seriously consider to protect what you've built. For our local businesses and institutions, insurance isn't just a formality; it's a foundation. Kanza Cooperative Association, being central to our agricultural economy, needs comprehensive commercial property insurance for their facilities and equipment, along with robust general liability and workers' compensation to cover their operations and employees. Central Plains USD 112, serving our kids, relies on solid liability and property coverage for their buildings and vehicles, like school buses. And the City of Raymond, keeping our small town running, requires municipal liability and property insurance to protect against the unique risks of local government. It's about making sure our community pillars are secure, so Raymond can keep thriving.
Population: 85 (2020)
Housing in Raymond
The housing stock in Raymond is likely older, typical of a very small, established rural Kansas town. Construction types would primarily be frame, with some brick structures possible, and manufactured homes are also available. There are no formal historic districts or new subdivisions. The age and construction type suggest that replacement costs for roofs and other components would be influenced by the typical maintenance and material profiles of older homes, with manufactured homes offering a different cost structure. (Inferred from general characteristics of rural towns and https://www.manufacturedhomes.com/city/Raymond/Kansas/)
Major local employers & who's hiring
- Kanza Cooperative Association — Agriculture/Grain Processing hiring
- Central Plains USD 112 — Education
- City of Raymond — Government
Local Raymond businesses
A few businesses that call Raymond home — independent of our agency.
- Affordable HVAC repair services in Raymond, KS — HVAC
- BRB Tree Service — Tree Trimming/Arborist
- Roof maintenance in Raymond, KS — Roofing
- Nexdor Dumpster Rental — Dumpster Rental/Excavation
Local landmarks & geography
- Rattlesnake Creek — Proximity to Rattlesnake Creek implies flood risk for properties located within the floodplain or adjacent areas. The presence of a stream-gaging station at Raymond indicates its local hydrologic significance.
- Quivira National Wildlife Refuge — Located partly in Rice County, where Raymond is situated, the refuge can influence local property values and may present unique environmental considerations, such as wildlife activity, for nearby properties.
Local facts that shape your coverage
- As of the 2020 Census, the population of Raymond, Kansas, was 85. — Basic demographic information.
- The city of Raymond, Kansas, was named after Emmons Raymond, a former Director of the Atchison, Topeka and Santa Fe Railway. — Historical context of the town's naming.
- Raymond, Kansas, experiences a Humid Continental climate with hot summers and year-round precipitation (Köppen climate classification Dfa). — Provides insight into the general climate conditions.
- Raymond, Kansas, had a population of 85 as of the 2020 Census, reflecting its status as a very small, rural community. — A small population can influence insurance rates (e.g., lower crime rates might reduce certain premiums) and the types of risks prevalent in a close-knit community.
- Kanza Cooperative Association, a key employer in Raymond, focuses on agricultural services, including helping farmers sell their crops. — This directly impacts commercial insurance needs for the co-op, emphasizing coverage for agricultural property, equipment, and related liabilities.
Local figures compiled from public sources: en.wikipedia.org · weather-atlas.com · kanzacoop.com · recruiting.paylocity.com · en.wikipedia.org · citydirectory.us. 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.
Raymond, KS insurance — common questions
How much does insurance cost in Raymond, KS?
Rates in Raymond 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 Raymond?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Raymond and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Raymond 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.