Published June 21, 2026 · 40 years in trucking & the trades
What we cover in Cambridge
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Cambridge choose a local agent
When you're in Cambridge, Furnas 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 Cambridge: the local picture
Cambridge is a small, stable-to-slowly-shrinking town (1,071 residents in 2020) built on the west bank of Medicine Creek near where it meets the Republican River — a setting that produced catastrophic floods in 1935 and 1947, making standalone NFIP or private flood coverage a real need that standard home and business policies won't fill. Medicine Creek Dam and Harry Strunk Lake just upstream draw boating, fishing, and camping, driving demand for boat, watercraft, and RV/recreational-property coverage. Locally, Tri Valley Health System's critical-access hospital anchors employment, supporting commercial property, group benefits, and workers'-comp needs, while older housing and a high share of single-person households point to renters' and right-sized homeowners policies.
Population: 1,071 (2020)
Major local employers & who's hiring
- Ag Valley Co-op — service
- Nebraska Corn Processing LLC — manufacturer
Local Cambridge businesses
A few businesses that call Cambridge home — independent of our agency.
- Ag Valley Co-op — ag-commercial
- Nebraska Corn Processing LLC — ag-commercial
- Frenchman Cambridge Irrigation District — ag-commercial
- Anew Travel Center & Truck Repair — c-store
- Cambridge General Store — c-store
- Cambridge Super Market — c-store
- Casey's — c-store
- Waypoint Bank — financial
- First Central Bank — financial
- First State Bank — financial
- FAW MOTOR CO. — main-street
- NAPA Auto Parts - Southwest Farm & Auto LLC — main-street
Local facts that shape your coverage
- Cambridge had a population of 1,071 at the 2020 U.S. Census, down slightly from 1,063 in 2010 — a small, stable-to-slowly-declining rural community. — A stable-to-declining small population means a tight, relationship-driven insurance market; older long-term homeowners and aging housing stock dominate the home/auto book rather than new-construction growth.
- Cambridge sits on the western bank of Medicine Creek near its confluence with the Republican River, at 2,270 ft elevation, covering 1.34 sq mi. — A town wedged between a creek and a major river drives real flood-zone exposure — homeowners policies exclude flood, so NFIP/private flood coverage is a genuine need for properties near the water.
- The May 1935 Republican River flood was catastrophic at Cambridge — roughly three-fourths of the town's homes were flooded and about 70% of all buildings were destroyed. The June 1947 flood killed 13 people near Cambridge and Orleans. — Documented historic flood losses underscore why standalone flood insurance matters here — standard home and business policies do not cover rising-water damage.
- Medicine Creek Dam (built 1948-49 by the U.S. Bureau of Reclamation, 165 ft high) was constructed upstream of Cambridge for flood control and irrigation, impounding Harry Strunk Lake — a roughly 1,850-acre lake with about 29 miles of shoreline used for camping, boating, fishing, and hunting. — A major recreation lake just upstream creates demand for boat, personal watercraft, RV, and recreational-property/cabin coverage, plus seasonal liability for lake-area activities.
- Tri Valley Health System in Cambridge (originally Cambridge Memorial Hospital) is a nonprofit critical-access hospital with a full-time emergency room. — A local healthcare employer is a leading employer in town, supporting demand for group/employee benefits, commercial property, and workers' compensation coverage.
- Cambridge had 589 housing units at the 2010 census, with 42% of households consisting of a single individual and an average household size of 2.11 people. — A high share of single-person and small households points to renters and smaller dwellings — a market for renters' coverage and right-sized homeowners policies rather than large-family home plans.
- Cambridge's climate is continental with record temperatures from -35°F to 116°F, averaging 23.44 inches of precipitation and 24 inches of snow per year. — Wide temperature swings and seasonal snow/ice mean freeze, hail, and winter-storm property claims are routine, supporting the case for adequate dwelling and auto comprehensive coverage.
Local figures compiled from public sources: en.wikipedia.org · omaha.com · usdeadlyevents.com · en.wikipedia.org · medicarelist.com. 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.
Cambridge, NE insurance — common questions
How much does insurance cost in Cambridge, NE?
Rates in Cambridge and Furnas 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 Cambridge?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Cambridge and all of NE — home, auto, farm, business, life, and more.
Can I get a quote in Cambridge 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.