Published May 20, 2026 · 40 years in trucking & the trades
What we cover in Fremont
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Fremont choose a local agent
When you're in Fremont, Dodge 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 Fremont: the local picture
Fremont's defining insurance reality is water: sitting on flat, slow-draining ground near the Platte and Elkhorn Rivers, the city carries numerous FEMA Special Flood Hazard Areas and suffered a catastrophic 2019 flood that destroyed homes and businesses — so flood coverage is a real conversation, not an upsell, especially for the many manufactured and older homes here. With a median home built around 1966 and roughly 38% of households renting, demand runs heavy toward homeowners replacement-cost, landlord/dwelling-fire and renters policies. The food-processing and manufacturing base — anchored by WholeStone Farms (the former Hormel pork plant), Valmont Industries and Methodist Fremont Health — drives commercial needs in workers' compensation, trucking and general liability.
Population: 27,141 (2020)
Major local employers & who's hiring
- Rawhide Fertilizer — wholesale
- ADM Fremont (Elevator) — ag-commercial
- Feed Bagging facitilty — shopping
- Lincoln Premium Poultry Feed Mill — ag-commercial
- Brother's Feed Service — shopping
- Western Integrated Seed — wholesale
- ADM — office
- Great Plains Warehouse — warehouse
Local Fremont businesses
A few businesses that call Fremont home — independent of our agency.
- Rawhide Fertilizer — ag-commercial
- ADM Fremont (Elevator) — ag-commercial
- Lincoln Premium Poultry Feed Mill — ag-commercial
- Nebraska Irrigated Seeds — ag-commercial
- Western Integrated Seed — ag-commercial
- ADM — ag-commercial
- Great Plains Warehouse — ag-commercial
- Cenex — c-store
- Baker's Fuel Center — c-store
- bp — c-store
- Phillips — c-store
- Fremont Gas and Market — c-store
Local facts that shape your coverage
- Fremont is the county seat of Dodge County and the sixth most populous city in Nebraska, with a 2020 census population of 27,141. — Mid-size market with steady demand for home, auto, renters and small-commercial coverage; concentration of households supports an independent agency presence.
- Fremont's largest employers include WholeStone Farms — which operates the former Hormel pork-processing plant (the Hormel facility employed about 1,500 people at the time WholeStone acquired it in 2018) — along with Valmont Industries and Methodist Fremont Health, the only hospital in Dodge County, anchoring a base of food processing, manufacturing and agribusiness. — Large industrial/food-processing and ag workforce drives demand for workers' compensation, commercial trucking/fleet, product and general liability, and group-tied benefits.
- The March 2019 flood devastated Fremont: the Elkhorn and Platte Rivers cut off access to the city, destroying homes, businesses and infrastructure, with lower-income neighborhoods such as Regency Mobile Home Park among the hardest hit. — Demonstrates real, recent catastrophic flood loss — flood insurance (NFIP/private) is a genuine need, not a hypothetical, especially for manufactured/mobile homes excluded or underinsured under standard policies.
- Fremont has numerous areas inside FEMA-designated Special Flood Hazard Areas (SFHAs) due to flat terrain and slow stormwater runoff; the city participates in the National Flood Insurance Program, and standard homeowner policies typically exclude flood damage. — Properties in an SFHA with a federally backed mortgage are required to carry flood insurance; NFIP participation and standard-policy flood exclusions make this a concrete cross-sell and savings talking point for an agent.
- Fremont's housing stock is older, with a median construction year around 1966 and nearly 20% of homes built before 1940; about 38% of occupied units are renter-occupied (roughly 4,200 of 11,084 occupied units). — Older homes raise replacement-cost, roof, wiring and plumbing underwriting concerns for homeowners coverage; a large rental share means strong need for renters and landlord/dwelling-fire policies.
- Fremont sits near the Platte and Elkhorn Rivers northwest of Omaha and is susceptible to riverine and flash flooding; the Elkhorn has overflowed its banks repeatedly, prompting FEMA-funded bank-stabilization mitigation in Dodge County. — Proximity to two rivers supports flood, boat/watercraft and RV/recreational coverage discussions alongside core property lines.
Local figures compiled from public sources: en.wikipedia.org · data.census.gov · fremontecodev.org · floodwise.headwaterseconomics.org · fremontne.gov · fema.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.
Fremont, NE insurance — common questions
How much does insurance cost in Fremont, NE?
Rates in Fremont and Dodge 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 Fremont?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Fremont and all of NE — home, auto, farm, business, life, and more.
Can I get a quote in Fremont 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.