Published June 30, 2026 · 40 years in trucking & the trades
What we cover in St. Francis
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in St. Francis choose a local agent
When you're in St. Francis, Cheyenne 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 St. Francis: the local picture
Here in St. Francis, we know a thing or two about tough weather, and that shapes how we think about insurance. With our homes often being older, predominantly frame construction, and a median price around $145,375, making sure your dwelling coverage reflects current replacement costs is critical, not just market value. Think about that brick ranch on Birch Street – even brick needs a good roof, and with us ranking as the third most hail-prone city in the U.S. (70 hail events from 2020-2025!), your roof coverage and deductible for hail are paramount. Don't skimp there, because a Kansas storm can strip a roof faster than you can say "tornado watch."
Our local economy is built on agriculture, strong institutions like Cheyenne County Hospital and St. Francis Community Schools, and businesses like Ross Manufacturing, Bartlett & Company, and our local St Francis Merc Equity. For folks running Fresh Seven Coffee or Yost Farm Supply, general liability, property insurance, and workers' comp aren't just good ideas, they're essential to protect livelihoods in our stable, but tight, job market. And with the Republican River and Cherry Creek nearby, and FEMA maps guiding our building, understanding your flood risk and securing separate flood insurance is a smart move, especially for properties in those identified hazard areas.
It boils down to this: comprehensive home and business policies are non-negotiable here. Given our unique blend of older housing stock, agricultural ties, and extreme weather risks, especially hail and potential tornadoes, tailored coverage isn't a luxury – it's a necessity to protect what we've built and continue to build in St. Francis.
Population: 1300 (2024)
Housing in St. Francis
The housing stock in St. Francis likely consists of a mix of older, established homes, predominantly frame construction, with some brick residences also present, such as a noted brick ranch style home. Given the town's size and rural nature, new subdivisions are likely limited, and replacement costs for roofs would vary significantly based on the age and material of the existing roof, as well as local climate factors like hail risk common in Kansas. (Source: https://www.zillow.com/homedetails/405-Birch-St-Saint-Francis-KS-67756/91107143_zpid/, https://www.areavibes.com/st.+francis-ks/housing/)
Major local employers & who's hiring
- Cheyenne County Hospital — Healthcare hiring
- St. Francis Community Schools (USD 297) — Education
- Ross Manufacturing Inc. — Manufacturing
- Bartlett & Company — Agriculture/Grain Processing
- St Francis Merc Equity — Agriculture/Grain
- City of St. Francis — Government/Public Administration
- St Francis Feed Yard — farm
- Mill and Seed Co — shopping
Local St. Francis businesses
A few businesses that call St. Francis home — independent of our agency.
- Fresh Seven Coffee — Restaurants/Coffee Shop
- Yost Farm Supply — Farm Supply
- Sowing Seeds Counseling LLC - Kim A. Zweygardt — ag-commercial
- St. Francis Equity — c-store
- Cenex — c-store
- Western State Bank- St. Francis, KS — financial
- BankWest of Kansas — financial
- First National Bank — financial
- LibertyX Bitcoin ATM — financial
- Ultimate Finish PDR — main-street
- Andrist AG & Auto INC — main-street
- Bumper to Bumper Auto Parts — main-street
Local landmarks & geography
- Republican River — Proximity to the Republican River indicates potential flood risk for properties located in floodplains or low-lying areas near the river. Flood insurance may be a consideration.
- Cherry Creek — As a local creek, Cherry Creek may also contribute to localized flood risk, especially during heavy rainfall or snowmelt. Properties near the creek could face increased water damage risk.
- St. Francis Business District / Main Street — The historic business district and main street may contain older buildings with unique construction methods and materials, which could affect rebuilding costs and require specialized insurance coverage. It also represents a central commercial area affecting property values.
- St. Francis City Park — Listed as a historic district on the National Register of Historic Places, properties adjacent to or within the park's vicinity might have specific zoning or historical preservation requirements, impacting property values and renovation costs. The park itself is a public amenity.
- Callicrate Manufacturing, LLC — As a local manufacturing plant, its presence can impact local employment and economic stability, indirectly affecting property values. Depending on the industry, there could be environmental or industrial risks that might affect surrounding properties.
Local facts that shape your coverage
- As of the 2020 census, the population of St. Francis, Kansas, was 1,263. — Provides demographic context for the town.
- St. Francis, Kansas, is ranked as the 3rd most hail-prone city in the U.S., with 70 hail reports between 2020 and 2025. — Highlights a major severe weather hazard specific to the town.
- The City of St. Francis refers to FEMA Flood Hazard Boundary Maps (FHBM) or Flood Insurance Rate Maps (FIRM) for building and construction regulations. — Confirms the official assessment and management of flood risk within the city.
- The St. Francis area is characterized by a mostly sunny, dry climate with diverse topography. — Provides general climate context, contrasting with specific severe weather events.
- St. Francis, Kansas, is ranked as the third most hail-prone city in the U.S., experiencing 70 reported hail events between 2020 and 2025. — Directly impacts property insurance needs, especially roof coverage and hail deductibles for homeowners and businesses.
- The median home price in St. Francis, KS, is approximately $145,375. — Provides a baseline for dwelling coverage amounts and replacement cost considerations for homeowners insurance.
Local figures compiled from public sources: usafacts.org · en.wikipedia.org · haildrive.com · stfranciskansas.com · stfranciskansas.com · areavibes.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.
St. Francis, KS insurance — common questions
How much does insurance cost in St. Francis, KS?
Rates in St. Francis and Cheyenne 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 St. Francis?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving St. Francis and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in St. Francis 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.