Insurance in Speed, KS

What we cover in Speed

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Insurance in Speed: the local picture

Living here in Speed, we know our homes are more than just houses; they're often older, cherished structures, many built before 1939. This means when we talk insurance, we're not just looking at a new build. These older frame homes come with their own considerations: original materials, sometimes unique construction, and systems that might not be up to modern code. That's why solid dwelling coverage, ideally at replacement cost value, is crucial. But let's be real, the biggest threat to these homes, and especially their roofs, is the Kansas weather. Hail and damaging winds are a regular concern, particularly from mid-April through mid-June. You've seen the recent damage around, so making sure your policy has a clear, manageable wind and hail deductible, and that your roof is covered adequately, isn't just a recommendation—it's a necessity for protecting your investment. Our tight-knit community here in Speed and across Phillips County is largely tied to agriculture. Folks working at places like Trinity Ag, LLC, or serving the community through Northern Valley USD 212 and Phillips County Hospital, or even with local businesses like Argos Plumbing, rely on their vehicles and homes every day. For those in agriculture, personal property coverage might extend beyond just the house to small farm equipment or outbuildings. For everyone, reliable auto insurance is non-negotiable, especially with the weather we face and the need to travel for work. We need policies that stand up to the conditions, protecting our cars from hail and our homes from the unexpected. Beyond the wind and hail, we're also near the North Fork Solomon River and Kirwin Reservoir, and Kansas is no stranger to flash flooding. It's not typically included in standard homeowner's policies, but it can be a lifesaver when the skies really open up. All in all, for us locals, having comprehensive property coverage that accounts for the age of our homes, the severity of our weather, and the unique risks of living in rural Kansas is what truly provides peace of mind.

Population: 37 (2020)

Housing in Speed

The housing stock in Speed, Kansas, is generally older, with a significant portion of homes built before 1939. These are typically single-family frame structures, characteristic of small, rural Kansas towns. There are no identified historic districts or new subdivisions. The age of the homes suggests that replacement costs would involve addressing general wear and tear, and potential updates to infrastructure. Roofs would likely be older and subject to the region's weather conditions, including hail, necessitating regular maintenance or replacement. (Source: Inference based on web search results for 'Speed, Kansas housing stock age type' summaries, specifically from city-data.com which cited older housing stock, and general characteristics of rural Kansas towns; direct access to city-data.com was blocked.)

Major local employers & who's hiring

• Northern Valley USD 212 — Education hiring
• Phillips County Hospital — Healthcare hiring
• Trinity Ag, LLC — Agriculture/Grain Processing hiring

Local Speed businesses

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

• Argos Plumbing — Plumbing

Local landmarks & geography

• Kirwin Reservoir — A large reservoir in Phillips County, approximately 14.8 miles from Speed, KS. It is operated for flood control and irrigation, which can affect regional water levels and flood risk in areas downstream or nearby, influencing flood insurance rates.
• North Fork Solomon River — This river flows through Phillips County and has a history of significant river rises and flooding in portions of north-central Kansas, which includes Phillips County. Properties in or near its floodplain could face higher flood risk and insurance premiums.

Local facts that shape your coverage

• Speed, Kansas, had a population of 37 as of the 2020 United States Census. — High
• Speed is a city located in Phillips County, Kansas, and is situated on the north bluffs of the Solomon River. — High
• Recent hail and wind damage have been spotted near Speed, KS, with a notable hail event recorded on August 2, 2025. — High
• The highest tornado frequency in Kansas, where Speed is located, historically occurs from mid-April through mid-June. — Medium
• As of the 2020 census, the population of Speed, Kansas, was 37. — Insurance rates can be influenced by population density and community size, reflecting local service availability and risk profiles.

Local figures compiled from public sources: en.wikipedia.org · interactivehailmaps.com · weather.gov · nvhuskies.org · pchospital.us · trinityagllc.com. Estimates — verify current details with the original source.

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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.

Speed, KS insurance — common questions

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