Published July 16, 2026 · 40 years in trucking & the trades
What we cover in Scandia
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Scandia choose a local agent
When you're in Scandia, Republic 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 Scandia: the local picture
In Scandia, the mix of local government, agriculture, and small retail makes property and casualty lines the real breadwinners. Your homeowners and farm policies need to lean into hail and wind endorsements—this town sits in Kansas’ hail alley and you’ll see quarter-size stones pop windows and punch holes in siding every season. The Republican River runs right at the edge of town, so flood endorsements and elevated coverage are non-negotiable, especially for homes along low-lying streets that flash during spring thaws. For farmers and agribusinesses, crop-hail and multi-peril crop insurance are staples; Withumax’s old ethanol plant site (now under bio-isobutanol conversion) still drives demand for product liability and business interruption when the plant ramps back up. Local government buildings and the Republic County Courthouse need solid property and flood schedules—FEMA’s latest maps show Scandia in the AE zone with a base flood elevation that’s crept up after 1993’s historic event. Retailers on Washington Street and Courtland Avenue should carry business income with extended coverage because power flickers every time a supercell rolls in off I-81. And don’t forget umbrella policies—Scandia’s median household income is just under $50k, so juries here tend to award home when someone slips on ice at the post office or the elevator in the courthouse annex fails. Keep your NFIP write-your-own flood quota high and your hail deductibles at the state minimum; the locals expect it and the weather delivers.
Population: 344 (2020)
Housing in Scandia
Most housing was built between 1940 and 1970, with a median year built of 1953; construction is predominantly wood-frame with a minority of brick and manufactured homes. There are no designated historic districts; housing stock is a mix of older small-town homes, modest ranch-style houses, and a few mobile/manufactured units on edge lots. Roof and structural replacement cycles are common due to age, making re-roofing and moderate renovations frequent needs rather than full rebuilds.
Major local employers & who's hiring
- NCK Feed store — shopping
Local Scandia businesses
A few businesses that call Scandia home — independent of our agency.
- Astra Bank — financial
Local landmarks & geography
- Republican River — Primary surface water feature traversing near Scandia; floodplain mapping and historical flooding influence property and flood insurance risk in the area. FEMA and NOAA flood risk tools reference the Republican River basin for Republic County, KS.
- Republic County Courthouse (Historic Downtown/Scandia Historic District) — Scandia’s historic downtown district includes the 1920s-era Republic County Courthouse and contributing historic buildings listed on or eligible for the National Register of Historic Places; older building stock and vintage infrastructure can affect property valuation and wind/hail coverage considerations.
- Republic County State Lake (unincorporated near Scandia) — Public recreation lake administered by Kansas Department of Wildlife, Parks and Tourism; proximity can influence local flood risk and amenity-driven property values, affecting residential coverage and liability considerations for insurers.
- I-81 (nearest interstate) — Scandia is not directly on an Interstate; nearest access is I-81 via US-36 ~20 miles south; lack of proximity to major Interstate corridors reduces exposure to catastrophic auto-related liability claims but can marginally affect business interruption and commercial property risk assessments.
- None (no university in Scandia) — Scandia has no university or college campus; nearest major postsecondary institutions are Kansas State University (Manhattan, KS ~77 miles) and Central Community College (Grand Island, NE ~82 miles), which do not directly impact local insurance risk profiles.
- Butamax/Grain Processing (former ethanol plant, Scandia) — Local industrial presence historically tied to ethanol production (BP/DuPont/Butamax facility in Scandia); operational risk and environmental liability exposure can affect commercial property and liability insurance pricing for nearby properties.
Local facts that shape your coverage
- Scandia is a city in Republic County, Kansas, with a 2020 population of 344 people. — Baseline demographic context for the town.
- The Republican River at Scandia has a USGS stream gauge (06856000) with daily stage and streamflow data available online. — Ongoing flood and flow monitoring by USGS.
- NOAA’s National Weather Service reports 13 severe weather warnings for the Scandia area in the past 12 months, with 102 Doppler-detected hail events. — High frequency of severe weather, especially hail, near Scandia.
- InteractiveHailMaps confirms 3 on-the-ground hail reports in Scandia, KS in the past 12 months, and historical notes indicate significant Republican River flooding in 1993. — Documented severe weather and flood events affecting Scandia.
- Scandia’s population was 344 as of the 2020 census. — Small-town client density informs agency growth and retention strategies.
Local figures compiled from public sources: en.wikipedia.org · waterdata.usgs.gov · interactivehailmaps.com · worldpopulationreview.com · familydestinationsguide.com · onedelightfullife.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.
Scandia, KS insurance — common questions
How much does insurance cost in Scandia, KS?
Rates in Scandia and Republic 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 Scandia?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Scandia and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Scandia 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.