Published June 26, 2026 · 40 years in trucking & the trades
What we cover in Alma
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Alma choose a local agent
When you're in Alma, Harlan County, you get a real person who knows NE — 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 Alma: the local picture
Alma sits on the shoreline of Harlan County Lake, a 13,250-acre Army Corps reservoir on the Republican River built for flood control, so boat, RV, and lake-property/seasonal-dwelling coverage are real local needs alongside standard homeowners flood awareness in a valley with a deadly 1935 flood history. With roughly 81% of homes owner-occupied and a median value around $164,000, most residents need solid homeowners protection, while the ~19% renter share points to renters and landlord policies. Verified 2-inch-plus hail and tornado activity in Harlan County (April 2022) makes wind/hail roof coverage and proper replacement-cost dwelling limits especially important here.
Population: 1,043 (2020)
Local Alma businesses
A few businesses that call Alma home — independent of our agency.
- CHS Agri Services — ag-commercial
- CHS Alma Agronomy — ag-commercial
- Pump and pantry — c-store
- Phillips 66 — c-store
- Community Bank — financial
- Carquest Auto Parts - ALMA AUTO PARTS — main-street
- NAPA Auto Parts - S & W Auto Parts — main-street
- Tripe Motor Co — main-street
- Trustworthy Hardware — main-street
- The Hex and The Hive — main-street
- Hogeland's Market Inc — main-street
- United States Postal Service — main-street
Local facts that shape your coverage
- Alma had a population of 1,043 at the 2020 U.S. Census and is the county seat of Harlan County, Nebraska. — Small, stable rural town — agents serve a mostly resident homeowner base rather than a growth market.
- The top employment sectors for Alma residents are Educational Services (~103 workers) and Health Care & Social Assistance (~75 workers), with Wholesale Trade third; the local economy employs roughly 545 people. — School and healthcare are the largest employers — relevant for group/workers-comp and commercial coverage; the surrounding area is farm/ranch (farm and ag-trade coverage).
- In 2024 the median property value in Alma was $163,800, 81.4% of housing units were owner-occupied (about 18.6% renter-occupied), and median household income was $75,703. — High ownership rate drives homeowners demand with replacement-cost limits near ~$164K; a meaningful renter share supports renters and landlord policies.
- Alma sits on the shoreline of Harlan County Lake (Harlan County Reservoir), a 13,250-acre U.S. Army Corps of Engineers reservoir on the Republican River, created by Harlan County Dam (completed 1952); it offers boating, fishing, hunting, and lodging recreation. — Lake-adjacent town means real demand for boat, RV/camper, and lake/seasonal-property coverage plus flood awareness.
- Harlan County Dam was built specifically for flood control after the catastrophic May 31, 1935 Republican River flood, which destroyed Republican City and killed roughly 100 people downstream. — Documented riverine flood history in the Republican River valley underscores the need to discuss flood insurance (separate from standard homeowners).
- On April 28, 2022, NWS Hastings documented severe storms producing localized hail over 2 inches in diameter across Furnas, Harlan, and Phillips counties, plus a brief tornado over rural Harlan County. — Verified large-hail and tornado exposure makes wind/hail roof coverage, proper deductibles, and replacement-cost dwelling limits critical for area homeowners and auto.
Local figures compiled from public sources: en.wikipedia.org · en.wikipedia.org · datausa.io · en.wikipedia.org · visitnebraska.com · weather.gov. Estimates — verify current details with the original source.
Insurance requirements in Nebraska
Nebraska is an at-fault state and requires liability plus uninsured/underinsured-motorist coverage. With a strong agricultural base and frequent severe storms, farm, crop, and hail-aware home coverage matter across the state. As an independent agency we shop multiple carriers to fit Nebraska's requirements and exposures. Verify current state minimums with the Nebraska Department of Insurance.
Alma, NE insurance — common questions
How much does insurance cost in Alma, NE?
Rates in Alma and Harlan 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 Alma?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Alma and all of NE — home, auto, farm, business, life, and more.
Can I get a quote in Alma 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.