Published June 24, 2026 · 40 years in trucking & the trades
What we cover in Wakefield
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Wakefield choose a local agent
When you're in Wakefield, Clay 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 Wakefield: the local picture
Living here in Wakefield, we know our homes are more than just structures; they're investments in our community. With a median home value around $166,800, ensuring proper coverage is crucial. Our location in Kansas means we're no strangers to severe weather – tornadoes, damaging winds, and significant hail are a real threat. This means homeowners need robust policies that go beyond the basics, with careful attention to wind and hail deductibles to protect against the frequent storms. Furthermore, with Milford Lake and the Republican River nearby, and the general flood risk across Kansas, I always advise my neighbors to consider separate flood insurance. Standard policies simply don't cover it, and a single flash flood can devastate a property.
Our local economy thrives on businesses like Farm King Supply Inc., Central Valley Ag, Mid States Packaging Co., Cloud County Health Center, Clay County USD 379, and Wakefield Care & Rehabilitation Center. For these vital employers, comprehensive business insurance isn't just a formality; it's a necessity. Commercial property coverage is essential for protecting buildings and equipment from our unpredictable weather. General liability, workers' compensation, and even business interruption insurance are critical to ensure these operations can continue serving our town, even after a major event. Imagine the disruption if a severe storm halted operations at one of these key employers; proper coverage helps them get back on their feet.
Beyond property, personal lines like auto insurance are equally important. Whether you're commuting to work at Clay County USD 379 or running errands, our rural roads and sudden weather changes mean good coverage is a must. And, of course, life and health insurance provide peace of mind for families, with local resources like Cloud County Health Center supporting our community's well-being. It's all about being prepared for what life and Kansas weather throw our way.
Population: 858 (2020)
Housing in Wakefield
The median home value in Wakefield is approximately $166,800. (Source: https://city-stats.com/kansas/wakefield/)
Major local employers & who's hiring
- Clay County USD 379 — Education hiring
- Wakefield Care & Rehabilitation Center — Healthcare / Elder Care hiring
- HOME CITY GRAIN — food
Local Wakefield businesses
A few businesses that call Wakefield home — independent of our agency.
- HOME CITY GRAIN — ag-commercial
- Short Stop #3 — c-store
- Riley State Bank — financial
- Dollar General — main-street
- United States Postal Service — main-street
- Wakefield Public Library — main-street
- Battleborn USA — main-street
- Quantanol LLC — main-street
- La Isla Mexican Cuisine & Cantina — main-street
- StringLine Construction LLC & Home Inspection — main-street
- K's Cleaning Service LLC — main-street
Local landmarks & geography
- Milford Lake — Flood risk due to proximity to the lake, especially as it is a flood control lake, indicating potential for water level fluctuations and managed releases affecting properties in the vicinity.
- Republican River — Flood risk, as Milford Lake receives water from it, suggesting potential for riverine flooding in areas upstream or downstream, and contributing to lake level fluctuations.
- Milford State Park — Proximity to the lake means potential for flood risk, and the park itself may have structures or facilities that could be impacted by natural events like wind or flooding, affecting property values or insurance claims.
- Kansas State University — Located approximately 24 miles away in Manhattan, KS. Proximity to a major university can indirectly influence property values (e.g., rental market for students/staff) and local economic stability.
- Weir's Machine Works — A local manufacturing facility. While not identified as a 'major plant' in terms of large-scale industrial impact on the entire town's insurance risk, its presence contributes to local employment and industrial activity, which can affect commercial property values and specialized industrial insurance needs.
- Historic Downtown/District — No specifically named historic downtown or district was identified in the search results for Wakefield, KS.
- Interstate — No specific Interstate highway directly impacting Wakefield, KS, was identified in the search results.
Local facts that shape your coverage
- The Wakefield, KS area has experienced 11 reports of on-the-ground hail by trained spotters. — Directly relevant to severe weather risk in Wakefield.
- Doppler radar has detected hail at or near Wakefield, KS on 88 occasions, including 4 occasions during the past year. — Directly relevant to severe weather risk and frequency of hail in Wakefield.
- Wakefield, KS has been under severe weather warnings 36 times during the past 12 months. — Indicates the frequency of severe weather threats in Wakefield.
- Kansas experiences a wide variety of summertime severe weather, including tornadoes, damaging winds, large hail, and flash flooding. — Provides context for the types of severe weather Wakefield, KS is likely to face.
- Flooding has shaped Kansas history more than any other natural hazard, with events like the catastrophic 1951 flood inundating over 2 million acres. — Highlights the historical significance and severity of flood risk in the broader Kansas region, which includes Wakefield.
- The median home value in Wakefield, KS is approximately $166,800. — Important for determining adequate dwelling coverage limits in homeowners insurance policies.
- As of the 2020 census, the population of Wakefield, KS was 858. — Provides context for the size of the community and its insurance market.
Local figures compiled from public sources: en.wikipedia.org · interactivehailmaps.com · weather.gov · homedatareports.com · city-stats.com · usd379.org. 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.
Wakefield, KS insurance — common questions
How much does insurance cost in Wakefield, KS?
Rates in Wakefield and Clay 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 Wakefield?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Wakefield and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Wakefield 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.