Published July 18, 2026 · 40 years in trucking & the trades
What we cover in Virgil
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Virgil choose a local agent
When you're in Virgil, Greenwood 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 Virgil: the local picture
Living here in Virgil, we know our homes are often older, built with good, solid frame construction, but they certainly aren't new builds. With the median home value in Greenwood County sitting around $78,500, it's easy to think your insurance premium should be low. However, we've got to remember that the cost to rebuild or significantly update one of these older properties after a loss can easily outstrip what the house would sell for. That's why making sure you have adequate dwelling coverage, perhaps with an extended replacement cost endorsement, is crucial. We also need to consider the unique needs of older homes, ensuring things like updated plumbing or electrical are properly covered if they've been addressed, or understood if they haven't.
Our local economy, anchored by Madison-Virgil USD 386, provides a steady backbone, but it means most folks are looking for solid, reliable coverage without breaking the bank. What's non-negotiable for us is protection against the weather. We've seen our share of severe weather warnings and hail activity—Doppler radar picked up hail 80 times in the last year alone. While we haven't had on-the-ground hail reports, that doesn't mean we're immune. A comprehensive homeowners policy with strong wind and hail coverage is absolutely essential. And with the Verdigris River nearby and our location within general floodplains, even if specific flood risk data isn't always easy to find for our little town, discussing flood insurance is just plain common sense to protect your biggest asset.
Population: 62 (2020)
Housing in Virgil
Housing in Virgil, typical for a small, rural Kansas town, likely consists of older, primarily frame construction homes. There are no indications of formal historic districts or new subdivisions. The median home value in Greenwood County is $78,500, suggesting an aged and relatively inexpensive housing stock. Replacement costs would generally reflect the need for significant updates on older properties. Specific data on median age or construction materials for Virgil was not explicitly found in search results. Source: https://www.bestplaces.net/housing/county/kansas/greenwood (for county median home value and inference on housing age/type)
Major local employers & who's hiring
- Madison-Virgil USD 386 — Education hiring
Local landmarks & geography
- Verdigris River — Proximity to the river poses a flood risk for properties in and around Virgil, KS.
- Tallgrass Prairie National Preserve — While not directly in Virgil, its regional presence may generally influence property values and provide open space. Direct insurance risk (e.g., flood, wind) for properties within Virgil is not significantly affected by the preserve itself, but rather by local weather patterns common to prairie environments (e.g., wind).
- Floodplains (Kansas Department of Agriculture) — Official floodplain maps are available for Kansas, indicating areas susceptible to flooding, which directly impacts flood insurance requirements and premiums for properties located within designated flood zones in Virgil and surrounding areas.
Local facts that shape your coverage
- As of the 2020 census, the population of Virgil, Kansas, was 48 residents. — High
- Virgil, Kansas, is located within Greenwood County. — High
- The Virgil, KS area has had 80 occasions where Doppler radar detected hail and 13 severe weather warnings issued in the past 12 months. — High
- As of the 2020 census, the population of Virgil, Kansas, was 48. — Smaller population might indicate limited local emergency services, potentially impacting response times for certain perils, and reflects the tight-knit community.
- Doppler radar detected hail on 80 occasions in the past 12 months in the Virgil, Kansas area. — Highlights a significant and frequent peril (hail) that homeowners should specifically ensure is covered adequately in their property insurance policies.
Local figures compiled from public sources: citypopulation.de · en.wikipedia.org · interactivehailmaps.com · usd386.net · snoflo.org · gaiagps.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.
Virgil, KS insurance — common questions
How much does insurance cost in Virgil, KS?
Rates in Virgil and Greenwood 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 Virgil?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Virgil and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Virgil 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.