Published July 3, 2026 · 40 years in trucking & the trades
What we cover in Hildreth
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Hildreth choose a local agent
When you're in Hildreth, Franklin 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 Hildreth: the local picture
Here in Hildreth, we understand the importance of solid insurance coverage, especially when you consider our local landscape. Our homes, many built around 1968, are predominantly single-family with asphalt shingle roofs. With an average home value of $162,457 (Zillow, 2024), making sure you have adequate replacement cost coverage is key. You don't want to be caught underinsured if a storm rips through. Speaking of storms, we've seen our share of severe weather, including that tornado in 2014 near Hildreth Road that snapped trees. More recently, we've had significant hail events, with one notable storm producing hail up to 2.5 inches, impacting thousands of buildings (HailReports). This makes robust wind and hail coverage absolutely non-negotiable for homeowners and especially for vehicle owners with comprehensive coverage.
For our businesses, like Hildreth Manufacturing, LLC, Wilcox-Hildreth Public School, and the Farmers Cooperative down by the elevator, property insurance is vital to protect their facilities from these same weather threats. But it's not just about property; general liability and workers' compensation are crucial for daily operations, protecting against unforeseen accidents and ensuring our community's workforce is covered. Business interruption insurance is also a smart move, helping these businesses stay afloat if a major weather event or other covered peril temporarily shuts them down, ensuring our local economy, which employs 215 people in manufacturing, healthcare, and retail (datausa.io), remains resilient.
While specific localized flood risk data isn't always easy to pin down for our area, it's always wise to consider flood insurance. Even a small amount of water can cause significant damage, and standard home insurance policies typically don't cover it. Given our rural setting and agricultural surroundings, understanding potential water runoff and overland flooding risks is a smart conversation to have. Protecting what we've built here on Commercial Avenue and beyond is about being prepared for whatever comes our way.
Population: 378 (2010)
Housing in Hildreth
The median year built for owner-occupied housing units in Hildreth, NE is 1968, indicating a mature housing stock predominantly consisting of single-family homes. The average home value is $162,457 (Zillow, 2024), suggesting a moderate replacement cost, with roofs likely being asphalt shingles given the age of the housing. (Population source: https://en.wikipedia.org/wiki/Hildreth,_Nebraska; Economy source: https://datausa.io/profile/geo/hildreth-ne/; Housing age source: https://www.city-data.com/city/Hildreth-Nebraska.html; Housing value source: https://www.zillow.com/home-values/38993/hildreth-ne/)
Major local employers & who's hiring
- Hildreth Manufacturing, LLC — Manufacturing
- Wilcox-Hildreth Public School — Education hiring
- Farmers Cooperative (Grain Supply Company Elevator) — Agriculture/Grain Processing hiring
- Cooperative Producers, Inc. — ag-commercial
- Midwest Seed Genetics. — wholesale
Local Hildreth businesses
A few businesses that call Hildreth home — independent of our agency.
- Cooperative Producers, Inc. — ag-commercial
- CPI Hildreth Fuel Pumps — c-store
- Cornerstone Bank — financial
- Clint’s Tavern — main-street
Local landmarks & geography
- Downtown Hildreth (Commercial Avenue) — As the central commercial area of a village founded in 1886, buildings are likely older, affecting property values and potentially increasing wind risk due to age and construction standards. May also be subject to localized flood risk if in a low-lying area.
Local facts that shape your coverage
- Hildreth is a village in Franklin County, Nebraska. — Basic geographic and administrative information about the town.
- As of the 2010 census, the population of Hildreth, Nebraska was 378. — Key demographic information about the town.
- A tornado event occurred on June 16, 2014, impacting the area around Hildreth Road, causing snapped trees and limb debris. — Specific historical severe weather event for the area.
Local figures compiled from public sources: en.wikipedia.org · ncei.noaa.gov · hildrethmfg.com · careerjet.com · en.wikipedia.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.
Hildreth, NE insurance — common questions
How much does insurance cost in Hildreth, NE?
Rates in Hildreth and Franklin 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 Hildreth?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Hildreth and all of NE — home, auto, farm, business, life, and more.
Can I get a quote in Hildreth 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.