Published July 2, 2026 · 40 years in trucking & the trades
What we cover in Williamsburg
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Williamsburg choose a local agent
When you're in Williamsburg, Franklin 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 Williamsburg: the local picture
Population: 390 (2020)
Housing in Williamsburg
Most homes were built between 1950 and 1990, with a mix of wood-frame and brick ranchers; a small historic district near downtown includes late-19th-century structures, while newer infill on the south edge consists of manufactured homes and modest post-2000 frame houses Replacement cost is moderate due to simple construction and modest size; roofs are generally 20–30 years old and may need near-term attention, especially on older frame homes
Major local employers & who's hiring
- USD 287 Williamsburg Public Schools — Education K-12 hiring
- Lindale Grain Co. (Williamsburg Elevator) — Grain Elevator/Agriculture
- City of Williamsburg, KS — Local Government hiring
Local landmarks & geography
- Rock Creek — Primary drainage through Williamsburg; flash flood risk per FEMA National Flood Hazard Layer and county floodplain maps; affects property flood risk and insurance pricing in low-lying areas.
- Historic Downtown Williamsburg — Listed on the National Register of Historic Places; older building stock increases property value and potential wind/hail claim exposure; historic district designation may impose rebuilding constraints affecting insurance value and replacement cost.
- Wabaunsee County State Lake (north of town) — Regional recreational lake; moderate flood storage capacity; downstream areas near Rock Creek may see higher water during heavy rainfall, influencing localized flood risk for adjacent properties.
- US-75 Highway (north-south) — Major transportation corridor through Williamsburg; high traffic volumes increase liability and potential accident exposure for adjacent commercial properties; serves as evacuation/access route during disasters.
- K-99 Highway (east-west) — Connects Williamsburg to I-70 and regional markets; high traffic volumes increase liability and potential accident exposure for adjacent commercial properties; serves as evacuation/access route during disasters.
- Wabaunsee County Courthouse and Historic Square (Downtown Williamsburg) — Central business district anchor; older masonry construction raises wind/hail exposure; historic preservation overlay may limit roofing materials and exterior alterations, impacting insurance replacement costs.
Local facts that shape your coverage
- As of the 2020 census, Williamsburg's population was 390. — Confirms the town's small but documented size, grounding risk assessments in real population data.
- Williamsburg has had 5 on-the-ground hail reports by trained spotters and 21 severe weather warnings in the past 12 months. — Demonstrates active severe weather patterns, especially hail, in the immediate area.
- Williamsburg is located in Franklin County, Kansas, which has a humid continental climate with hot summers and cold winters, increasing severe weather susceptibility. — Contextualizes the local climate drivers behind severe weather events like thunderstorms and hail.
- Doppler radar has detected hail at or near Williamsburg 81 times in the past 12 months, including 5 occasions in the past year. — Quantifies the frequency of hail events, a key hazard for agriculture and property in the region.
Local figures compiled from public sources: en.wikipedia.org · interactivehailmaps.com · bestplaces.net · usd287.org · us-farming.com · williamsburgks.us. 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.
Williamsburg, KS insurance — common questions
How much does insurance cost in Williamsburg, KS?
Rates in Williamsburg and Franklin 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 Williamsburg?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Williamsburg and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Williamsburg 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.