Published July 11, 2026 · 40 years in trucking & the trades
What we cover in Grafton
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Grafton choose a local agent
When you're in Grafton, Fillmore 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 Grafton: the local picture
Folks in Grafton know that living here means dealing with whatever Mother Nature throws our way. With our location in Fillmore County, we're no strangers to severe thunderstorms, hail, and the occasional tornado, like the one that touched down near us back in 2014. That means robust property insurance isn't just a good idea, it's essential. For our homes, whether it’s a classic older build or something more modern, you really need to look at your wind and hail deductibles. A 1% or 2% deductible can make a big difference if you need a new roof after a storm. Businesses like Grafton Public Schools, Lutheran Home and Services, and Strothkamp Construction, LLC, also need to ensure their commercial property policies are up to snuff, covering everything from buildings to equipment against these unpredictable weather events.
Beyond the skies, we also need to talk about what's underfoot. The First Street Foundation has identified flood risks right here in Grafton. This isn't just about homes; it's critical for our local businesses too. Imagine if Grafton Oil or Chris Hunters Auto Repair had their operations disrupted by flooding – that's where flood insurance, which is separate from standard property policies, becomes a lifeline. It helps cover the cost of damage to the building and its contents, and for businesses, it's key to minimizing downtime. General liability is also a must for businesses like Ferlox Dumpster Rental and PL Roofing, protecting them from claims of injury or property damage arising from their operations around town.
For our small, tight-knit community, every dollar counts. It's about protecting our livelihoods and our homes. Whether you're working at Heartland Co-Op Grafton Branch, teaching at Fillmore Central Public Schools, or running your own shop like GarageForge or Les Plumbing Services, having the right coverage means peace of mind. We might not have sprawling new subdivisions, but the homes here, and the businesses that support them, need tailored policies that account for our unique local risks, from our tornado alley weather to potential floodwaters, ensuring we can rebuild and keep our community strong.
Population: 109 (2020)
Major local employers & who's hiring
- Heartland Co-Op Grafton Branch — Agriculture/Grain Processing Actively hiring
- Fillmore Central Public Schools — Education Likely (general school district hiring)
- Strothkamp Construction, LLC — Construction
Local Grafton businesses
A few businesses that call Grafton home — independent of our agency.
- Ferlox Dumpster Rental — Contractor - Dumpster Rental
- Chris Hunters Auto Repair — Auto Repair
- GarageForge — Contractor - Garage Door Repair
- Les Plumbing Services — Plumbing
- Direct Connect Plumbing Svcs — Plumbing
- SRT HVAC — HVAC
- Big Jeff Tree Service — Tree Trimming
- Allen Contracting Tree Service — Lawn/Mowing, Excavation (Sod Installation)
- Ely Farms, LLC — Farm
- JC Electric Lehigh Valley — Electrical Contractor
- Electrical Fixtures Kansas City — Electrical Contractor
- Electrician Call — Electrical Contractor
Local facts that shape your coverage
- Grafton, Nebraska, had a population of 107 residents according to the 2020 United States Census. — Provides demographic context for the village.
- A tornadic supercell thunderstorm with a brief touchdown occurred near Grafton, Nebraska, on May 11, 2014. — Highlights a specific severe weather event in the town's recent history.
- First Street Foundation provides detailed flood risk information for properties within the 69153 ZIP code, which includes Grafton, NE. — Indicates that flood risk has been assessed for the area, though specific metrics require deeper access to the data.
- As of the 2020 census, the village of Grafton, Nebraska, had a population of 107. — Provides demographic context for the insurance market size.
Local figures compiled from public sources: worldpopulationreview.com · en.wikipedia.org · youtube.com · firststreet.org · careers.heartlandcoop.com · niche.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.
Grafton, NE insurance — common questions
How much does insurance cost in Grafton, NE?
Rates in Grafton and Fillmore 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 Grafton?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Grafton and all of NE — home, auto, farm, business, life, and more.
Can I get a quote in Grafton 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.