Published June 27, 2026 · 40 years in trucking & the trades
What we cover in Crofton
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Crofton choose a local agent
When you're in Crofton, Knox 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 Crofton: the local picture
Living in Crofton, you know our homes have character, with the typical house built around 1975. This means many properties, valued at a median of $125,500, are likely frame construction and have roofs, plumbing, and electrical systems nearing or past their prime. When we talk homeowner's insurance here, it's crucial to consider true replacement cost coverage, not just market value, because rebuilding an older home with modern codes can be expensive. Endorsements for things like service line coverage or equipment breakdown can be smart additions to protect against issues with aging infrastructure. While new construction permits show our town is growing, those newer homes still need robust coverage, perhaps with a focus on higher limits for contents and personal liability.
Our weather in Knox County is no joke, especially when it comes to severe storms and hail. With numerous radar detections and on-the-ground reports of hail, protecting your property from impact is paramount. Homeowner's policies need to have adequate dwelling and other structures coverage with a reasonable deductible for wind and hail. Don't forget your vehicles; comprehensive auto coverage is essential here to cover hail damage to cars and trucks parked outside. Beyond the skies, our proximity to Lewis and Clark Lake and identified FEMA Flood Zones means flood insurance isn't just a suggestion – it's a necessity. Even with a moderate flood history and at least one prior FEMA claim, many standard homeowner policies exclude flood damage, making a separate flood policy a wise investment for peace of mind.
Crofton’s economy, driven by manufacturing, retail, and education, means our local businesses and employers face diverse risks. Establishments like Crofton Public School, Crofton Community Memorial Hospital, and JE Meuret Grain need comprehensive commercial insurance packages. This includes general liability, property insurance for their buildings and equipment, and workers’ compensation to protect employees. Smaller businesses, from Carhart Lumber Co. needing property and product liability to Downtown Auto Service requiring garage keepers insurance, benefit from tailored policies that address their specific operational hazards. Understanding these local nuances helps ensure our community, from families to businesses, is properly protected.
Population: 902 (2024)
Housing in Crofton
The median home in Crofton, NE was built in 1975, making the typical housing stock approximately 51 years old (Source: https://zipcheckup.com/cities/ne/crofton/infrastructure/). The median property value is $125,500 (Source: https://datausa.io/profile/geo/crofton-ne/). This age suggests a predominance of frame construction typical for the region and a likelihood that roofs and other major systems may be nearing or past their expected lifespan, impacting replacement costs. New construction is also occurring, with permits for single-family homes in recent years (Source: https://www.city-data.com/city/Crofton-Nebraska.html).
Major local employers & who's hiring
- Crofton Public School — Education Likely (based on industry size and general employment growth in the town)
- Crofton Community Memorial Hospital — Healthcare Likely (based on industry size and general employment growth in the town)
- Crofton Care & Rehabilitation Center — Healthcare / Long-term Care hiring
- Farmers and Merchants State Bank — Finance hiring
- JE Meuret Grain — Agriculture / Grain Processing hiring
Local Crofton businesses
A few businesses that call Crofton home — independent of our agency.
- Avera Family Health — Healthcare
- Bank of Dixon County — Banking
- BankFirst — Banking
- Carhart Lumber Co. — Lumber/Building Supplies
- Crofton Journal — Local Newspaper
- Crofton State Bank — Banking
- Downtown Auto Service — Auto Repair
- Farm Credit Services of America — Financial Services (Agriculture)
- First National Bank of Crofton — Banking
- Midwest Land Co. — Real Estate
- Midwest Medical — Medical Supplies/Equipment
- Murdo's Aten Resort — Restaurant/Resort
Local landmarks & geography
- Lewis and Clark Lake — Potential for flood risk and water damage for properties in proximity to the lake, and increased property values for lakefront homes.
- Downtown Crofton (2nd Street) — Historic buildings may have specific construction types, age, and preservation requirements affecting renovation costs and insurance premiums; potential for higher property values in a well-maintained historic district.
- Lewis & Clark State Recreation Area — Proximity to a state park can increase property values due to recreational opportunities.
- Interstate — None
- University — None
- Major Plant — None
Local facts that shape your coverage
- Crofton, NE has a moderate flood history with 1 FEMA claim. — Directly addresses flood risk and historical impact.
- The number of natural disasters in Knox County (18) is near the US average (19). — Provides a general context for the frequency of severe weather events in the broader area.
- The Crofton, NE area has had 4 reports of on-the-ground hail by trained spotters. — Specific data point indicating past hail events reported by individuals.
- Doppler radar has detected hail at or near Crofton, NE on 61 occasions, including 3 occasions during the past year. — Provides comprehensive historical and recent hail activity data for the area.
- As of the 2020 census, Crofton, NE had a population of 756. — Population size impacts local services, infrastructure, and the overall insurance market density for both personal and commercial lines.
- Crofton, NE has a moderate flood history with at least one FEMA claim, and parts of the area are identified within FEMA Flood Zones. — Highlights the critical need for separate flood insurance coverage for homeowners and businesses, as standard property policies exclude flood damage.
Local figures compiled from public sources: datausa.io · zipcheckup.com · city-data.com · interactivehailmaps.com · en.wikipedia.org · indeed.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.
Crofton, NE insurance — common questions
How much does insurance cost in Crofton, NE?
Rates in Crofton and Knox 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 Crofton?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Crofton and all of NE — home, auto, farm, business, life, and more.
Can I get a quote in Crofton 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.