Published July 24, 2026 · 40 years in trucking & the trades
What we cover in Tipton
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Tipton choose a local agent
When you're in Tipton, 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 Tipton: the local picture
Folks in Tipton know that protecting our homes is a top priority, especially with the weather we get around here. With the median age of homes sitting at 58 years, many of our properties are older frame constructions that need careful consideration for replacement costs. When a big hailstorm rolls through, or if a tornado comes calling – which, being in 'Tornado Alley,' is a real concern – you want to make sure your roof and other older components are covered adequately, considering the cost of modern updates. Whether you're in a classic Tipton home or a newer manufactured one, robust dwelling coverage, and understanding your wind/hail deductibles, isn't just a good idea, it's essential for peace of mind.
Our local businesses and institutions like Tipton Catholic High School, Waconda USD 272, Velnix Dumpster Rental, DanDee Pest Control, and Old School Seals are the backbone of our community. For these operations, comprehensive commercial insurance isn't just a formality; it's a necessity. Property insurance protects their buildings and equipment, while general liability is crucial for daily operations. Businesses like Velnix Dumpster Rental also need strong commercial auto coverage, and workers' compensation is vital to protect employees across all sectors. We're a tight-knit community, and supporting these businesses with the right coverage helps keep Tipton thriving.
While specific flood risk data for individual properties can be tricky to nail down, we know Mitchell County acknowledges flood risk and is working on updated Flood Insurance Rate Maps. With Oak Creek nearby, it's always wise for Tipton residents to consider flood insurance through the NFIP, even if not in a mandatory zone. Given our agricultural economy, farm and ranch insurance also plays a critical role for many families, protecting their livelihoods and assets from the unique risks of farming in the Great Plains.
Population: 193 (2020)
Housing in Tipton
The median age of real estate in Tipton, Kansas is 58 years old. The housing stock likely includes a mix of older frame construction typical of rural Kansas, and manufactured or modular homes are also available. Due to the age of the housing, replacement costs for roofs and other components should consider the need for updates to older structures. (Sources: https://www.bestplaces.net/housing/city/kansas/tipton, https://www.manufacturedhomes.com/city/Tipton/Kansas/)
Major local employers & who's hiring
- Tipton Catholic High School — Education
- Waconda USD 272 — Education
Local Tipton businesses
A few businesses that call Tipton home — independent of our agency.
- Velnix Dumpster Rental — Contractor/Service
- DanDee Pest Control — Contractor/Service
- Old School Seals — Local Shop
Local landmarks & geography
- Oak Creek — A local creek in Mitchell County, Kansas, that could contribute to flood risk in areas immediately adjacent to it or downstream during heavy rainfall.
- Wilson State Park — A major recreational area nearby, which could attract visitors and impact property values in its vicinity, especially for vacation rentals or properties catering to tourism. It is also associated with Wilson Reservoir, which can have flood control implications.
- Glen Elder State Park — Another significant recreational area nearby, similar to Wilson State Park, influencing local tourism and potentially property values. Associated with Waconda Lake/Glen Elder Reservoir, which has flood control and water level considerations.
- North Central Kansas Technical College (Beloit, KS) — While not directly in Tipton, its proximity in Beloit indicates a regional educational institution. This can influence the local workforce, economy, and demand for housing, indirectly affecting property values in the broader area.
- Great Plains Manufacturing Inc. — A major local employer within Tipton, KS. The presence of a significant industrial plant can affect property values (both positively through employment and potentially negatively due to industrial activity proximity), and its operations could have implications for commercial insurance.
Local facts that shape your coverage
- As of the 2020 United States Census, the population of Tipton, Kansas, was 193. — Provides fundamental demographic information.
- Tipton is home to St. Boniface Church, a local Catholic parish. — Highlights a significant local landmark and community institution.
- Tipton, Kansas, is part of Unified School District 272, known as Tipton Schools. — Indicates the presence and structure of the local education system.
- Tipton is located within Mitchell County, Kansas. — Establishes geographical context for the town.
- As of the 2020 Census, the population of Tipton, Kansas was 193. — Population size helps gauge the overall market and community scale.
- The median value of owner-occupied housing units in Tipton, KS is $101,400 ±$22,682. — This figure provides a benchmark for typical home values, influencing dwelling coverage limits and understanding local property market dynamics.
Local figures compiled from public sources: en.wikipedia.org · discovermass.com · censusreporter.org · tiptoncatholichs.com · en.wikipedia.org · anyplaceamerica.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.
Tipton, KS insurance — common questions
How much does insurance cost in Tipton, KS?
Rates in Tipton 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 Tipton?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Tipton and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Tipton 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.