Published July 15, 2026 · 40 years in trucking & the trades
What we cover in Simpson
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Simpson choose a local agent
When you're in Simpson, Mitchell 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 Simpson: the local picture
Living and working here in Simpson, you know our economy runs on the backbone of agriculture, forestry, fishing, hunting, and even a bit of mining. That means for our local businesses like Farmway Coop, Simpson Co-op, and Simpson Farm Enterprises, robust commercial insurance isn't just a good idea – it's essential. We're talking about coverage for property, equipment, and general liability to protect against the unique risks of farming operations, transportation, and processing. Don't forget our service businesses like River Rock Landscaping, BRB Tree Service, and Big Jeff Tree Service; they need solid general liability, commercial auto for their trucks and gear, and workers' comp to keep their crews safe. Even Beloit USD 273, a major employer, requires comprehensive coverage to protect its facilities, staff, and students.
Our homes, many likely older with that classic rural Kansas charm, have a median value of around $27,500. This means we need to consider how to properly insure them – whether it's actual cash value or replacement cost, especially for older roofs or systems. What truly keeps me up at night for our homeowners, though, is the weather. We see frequent hail and severe weather warnings, which means strong coverage for wind and hail damage, particularly for roofs, is non-negotiable. It's not just about repairing a few shingles; it's about making sure your biggest asset is protected when those Kansas storms roll through.
And let's not forget our beautiful geography with the Solomon River and Waconda Lake / Glen Elder State Park nearby. While specific FEMA flood maps for Simpson can be hard to pin down, Kansas as a whole faces significant flood risks. This means flood insurance, which is separate from your standard homeowner's policy, is a serious consideration for anyone living near the water or in a low-lying area. It's about protecting against the unexpected high water that can cause devastating damage, ensuring our community can recover.
Population: 82 (2020)
Housing in Simpson
The median home value in Simpson, KS (ZIP 67478) is estimated at $27,500. Given the low population and median home value, the housing stock is likely older with a mix of traditional construction types common in rural Kansas. Source: https://www.zip-codes.com/zip-code/67478/zip-code-67478.asp
Major local employers & who's hiring
- Beloit USD 273 — Education hiring
- Farmway Coop — Agriculture/Grain hiring
- Simpson Co-op — Agriculture
- Simpson Farm Enterprises, Inc. — Agricultural Equipment hiring
Local Simpson businesses
A few businesses that call Simpson home — independent of our agency.
- River Rock Landscaping — Lawn Care & Landscaping
- BRB Tree Service — Tree Trimming/Arborist
- Big Jeff Tree Service — Tree Service
Local landmarks & geography
- Solomon River — The Solomon River is a significant waterway in Mitchell County, where Simpson is located. Properties near the river or its tributaries may be exposed to increased flood risk. The river valley also influences local topography and soil conditions.
- Waconda Lake / Glen Elder State Park — Waconda Lake, a large reservoir, and Glen Elder State Park are prominent features in Mitchell County. Proximity to this lake and state park can influence property values due to recreational opportunities and scenic views. While not directly in Simpson, it is a major regional geographic feature that can affect the broader county's appeal and, indirectly, insurance considerations for properties enjoying its amenities or within its watershed.
- Mushroom Rock State Park — Located in Ellsworth County, approximately 40-50 miles south of Simpson, this state park features unique geological formations. While not immediately adjacent to Simpson, its presence as a regional natural attraction contributes to the character of north-central Kansas. Its distance means it does not directly impact local property risk in Simpson, but is a notable natural landmark in the broader area.
- Downtown Area of Simpson — As a small rural town, Simpson likely has a downtown area with older buildings. While no official 'historic district' designation was found, properties in such areas may have specific insurance considerations related to the age of structures, building materials, and potential for historic preservation requirements, which can affect repair or replacement costs.
- FEMA Flood Map Service Center — To determine specific flood risk for any property in Simpson, KS, it is essential to consult the official FEMA Flood Insurance Rate Maps (FIRMs). These maps delineate flood zones and are crucial for flood insurance requirements and pricing. (Specific flood zone data for Simpson, KS properties could not be directly retrieved through this tool, but the official source is provided for reference.)
Local facts that shape your coverage
- Doppler radar has detected hail at or near Simpson, KS on 94 occasions, including 1 occasion during the past year. — High
- The Simpson, KS area has been under severe weather warnings 18 times during the past 12 months. — High
- Kansas averages around 90 tornadoes per year, according to the National Weather Service, making tornado risk a significant concern in the region. — High
- Floods are responsible for more property damage and loss of life in Kansas than any other natural hazard. — High
- The local job base is primarily driven by agriculture, forestry, fishing and hunting, and mining. — Directly impacts the type of commercial insurance needed (e.g., farm, equipment, liability).
- The median home value in Simpson, KS (ZIP 67478) is estimated at $27,500. — Influences homeowners insurance policy structures, replacement cost considerations, and affordability.
- Beloit USD 273 is a public unified school district that includes Simpson, Kansas. — As a major employer, it requires comprehensive commercial insurance, including property, liability, and potentially cyber coverage.
Local figures compiled from public sources: en.wikipedia.org · interactivehailmaps.com · ezhomesearch.com · usgs.gov · infoplease.com · zip-codes.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.
Simpson, KS insurance — common questions
How much does insurance cost in Simpson, KS?
Rates in Simpson and Mitchell 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 Simpson?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Simpson and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Simpson 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.