Published June 28, 2026 · 40 years in trucking & the trades
What we cover in Yates Center
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Yates Center choose a local agent
When you're in Yates Center, Woodson 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 Yates Center: the local picture
Living here in Yates Center, you know our weather isn't just talk – it's a real factor in how we protect our homes and businesses. Being smack-dab in Tornado Alley, wind and hail coverage isn't just an option, it's a necessity. We often see folks picking higher deductibles for wind and hail to keep premiums down, but you've got to be ready for those out-of-pocket costs when a storm rolls through, which happens more often than we'd like. With FEMA actively assessing flood risks in Woodson County, flood insurance is becoming increasingly critical, especially for older properties or those near the Yates Center Reservoir. Don't assume your standard homeowners policy covers rising water, because it absolutely does not. Our older housing stock, including those charming historic residences downtown with their brick streets, means reconstruction costs can be higher due to specialized materials or craftsmanship, so make sure your dwelling coverage reflects that. We also see manufactured homes around, which have their own specific insurance needs and valuations.
Population: 1352 (2020)
Housing in Yates Center
The housing stock includes older, potentially historic residences (https://housingapartments.org/rental_detail/45479), with mentions of brick streets in the downtown area suggesting older brick construction (https://www.youtube.com/watch?v=8khKZLurESQ). Manufactured homes are also present (https://www.manufacturedhomes.com/city/Yates-Center/Kansas/). This indicates a mix of traditional frame, some brick, and manufactured homes. The presence of historic properties suggests a significant portion of the housing stock is older, which would mean roof replacement costs are likely in line with the age and material (e.g., asphalt shingles) of older homes, with potential for specialized costs for historic preservation.
Major local employers & who's hiring
- Woodson USD #366 — Education hiring
- Yates Center Health and Rehab — Healthcare hiring
- Coffey County Hospital / Yates Center Medical Center — Healthcare hiring
- SEK COOP Inc. — association_or_organization
Local Yates Center businesses
A few businesses that call Yates Center home — independent of our agency.
- Fine Cut Tree Service — Tree Trimming
- Cornerstone Bakery YC — Bakery, Restaurant
- Simple Simon's Pizza — Restaurant (Pizza)
- G&W Foods — Grocery Store (Local Shop)
- SEK COOP Inc. — ag-commercial
- PETE'S — c-store
- Casey's — c-store
- Jumpstart — c-store
- Piqua State Bank — financial
- GNBank — financial
- NAPA Auto Parts - Sievers Auto Parts — main-street
- Woodson County Chamber of Commerce — main-street
Local landmarks & geography
- Yates Center Reservoir — Proximity to the reservoir may increase flood risk for adjacent properties and could affect property values or recreational insurance needs.
- US-75 — A major highway passing near Yates Center; properties adjacent to or near US-75 may experience increased traffic noise, potential for vehicle-related incidents, and impact on accessibility, which can influence property and auto insurance rates.
- Yates Center Health and Rehab — As a major employer and healthcare facility, it signifies a concentration of commercial activity and specific insurance requirements (e.g., professional liability, property, and workers' compensation insurance). Its presence contributes to the local economy and property values.
- Historic Downtown/District — No formally designated historic district found. While the downtown may have historic characteristics, without official designation, specific historic preservation insurance requirements are not noted.
- State Park — No state parks found in or immediately near Yates Center, KS.
- Interstate — No interstate highways found in or immediately near Yates Center, KS. US-75 is a major highway, not an interstate.
- University — No universities or colleges found in or immediately near Yates Center, KS.
- Major Plant — No specific major manufacturing or industrial plant identified as a named landmark or significant employer beyond the healthcare facility.
Local facts that shape your coverage
- Yates Center, KS, experienced a large tornado on May 8, 2003, which was documented crossing a road. — Demonstrates a historical precedent for significant tornado activity directly impacting the town.
- The Yates Center, KS area has recorded 14 reports of on-the-ground hail by trained spotters and received 20 severe weather warnings in the past 12 months. — Provides specific, recent data on the frequency of hail and overall severe weather alerts in the area.
- Doppler radar has detected hail at or near Yates Center, KS, on 100 occasions, with 6 occurrences within the past year. — Further quantifies the consistent and frequent occurrence of hail events in the vicinity of Yates Center.
- The Federal Emergency Management Agency (FEMA) is currently proposing flood hazard determinations for Yates Center, KS, as part of a broader assessment for Woodson County. — Confirms active federal assessment and the presence of identified flood hazards by a key governmental agency.
- The median value of owner-occupied housing units in Yates Center, KS was $79,200 in 2022. — This indicates the typical property value for homeowners, crucial for determining appropriate dwelling coverage limits and understanding the local housing market's financial landscape.
- Yates Center, as the county seat of Woodson County, had a population of 1,352 in 2020. — A small, stable population impacts the scale of local businesses, community resources, and the overall risk profile for commercial and personal lines insurance, including considerations for emergency services and community resilience.
Local figures compiled from public sources: en.wikipedia.org · youtube.com · interactivehailmaps.com · federalregister.gov · census.gov · usd366.net. 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.
Yates Center, KS insurance — common questions
How much does insurance cost in Yates Center, KS?
Rates in Yates Center and Woodson 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 Yates Center?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Yates Center and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Yates Center 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.