Published June 19, 2026 · 40 years in trucking & the trades
What we cover in Curtis
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Curtis choose a local agent
When you're in Curtis, Frontier 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 Curtis: the local picture
Living here in Curtis, we're all too familiar with the challenges our weather brings. Those frequent hail storms, like the 32 on-the-ground reports we've seen, and the tornado activity that hit Frontier County in 2019, mean that solid wind and hail coverage isn't just a good idea—it's essential. You need to make sure your homeowner's policy has robust protection for your roof and property, potentially with an extended replacement cost to handle the wear and tear from our unpredictable skies. And with Frontier County having a high flood risk, it's crucial to consider separate flood insurance, as standard policies won't cover that water coming in from Medicine Creek State Recreation Area.
Population: 806 (2020)
Housing in Curtis
However, based on limited new construction (1 permit in 2023 for $180,000, Source: https://www.city-data.com/city/Curtis-Nebraska.html search summary), it is reasonable to infer that the housing stock is generally older, likely consisting predominantly of frame construction, common in rural Nebraska towns. Older homes often imply higher potential replacement costs due to older building codes, materials, and potential for lead/asbestos, and roofs may be older, requiring more frequent replacement or repair.
Major local employers & who's hiring
- Medicine Valley Public Schools — Education Yes, hiring for a Full-Time Custodian.
- Nebraska College of Technical Agriculture (NCTA) — Education Likely hiring/growing (as an active educational institution)
Local Curtis businesses
A few businesses that call Curtis home — independent of our agency.
- RoadForge — Paving Contractor
- Action Heating and Plumbing — Plumbing, HVAC
- Cenex — c-store
- Western Nebraska Bank — financial
- First Central Bank — financial
Local landmarks & geography
- Medicine Creek State Recreation Area (Medicine Creek Reservoir) — The large Medicine Creek Reservoir (1,850 surface acres) within the recreation area is a significant water body affecting flood risk in surrounding areas. Proximity to the recreation area can influence property values due to recreational appeal.
- Nebraska College of Technical Agriculture (NCTA) — As a prominent educational institution, NCTA significantly impacts local property values, the economy, and infrastructure. Its presence can stabilize the housing market and attract residents.
- Nebraska Highway 23 (N-23) — This major state highway runs through Curtis, affecting property values due to accessibility, potential noise, and traffic. Proximity to a major road can also influence accident risk.
Local facts that shape your coverage
- The Curtis, NE area has had 32 reports of on-the-ground hail by trained spotters, and Doppler radar has detected hail at or near Curtis, NE on 116 occasions. — High - direct historical data on hail events in the town.
- Frontier County, Nebraska, experienced 8 confirmed tornadoes in 2019, which was the highest number for any single county in Nebraska that year. — High - direct historical data on tornado activity in the county.
- Frontier County, Nebraska, is identified as one of Nebraska's 93 counties rated with high flood risk, according to data that references FEMA flood maps. — Medium - general flood risk for the county where Curtis, NE is located.
- New construction in Curtis is limited, with only one permit issued in 2023 for $180,000, indicating a predominantly older housing stock. — Older homes often have higher replacement costs due to outdated building codes and materials, and may require more frequent maintenance, particularly for roofs, impacting insurance premiums and coverage needs.
Local figures compiled from public sources: en.wikipedia.org · interactivehailmaps.com · weather.gov · fludzone.com · city-data.com · mvraiders.org. 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.
Curtis, NE insurance — common questions
How much does insurance cost in Curtis, NE?
Rates in Curtis and Frontier 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 Curtis?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Curtis and all of NE — home, auto, farm, business, life, and more.
Can I get a quote in Curtis 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.