Published June 23, 2026 · 40 years in trucking & the trades
What we cover in Lyons
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Lyons choose a local agent
When you're in Lyons, Burt 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 Lyons: the local picture
Living here in Lyons, you know our homes are more than just houses – they're cornerstones of our community, with most folks owning their place. That rural feel means our economy is tied to the land and local services, with major employers like Brehmer Manufacturing, who build farming and hog equipment, and institutions like Lyons-Decatur Northeast Schools and the City of Lyons. For homeowners, this means needing solid property insurance that reflects the true replacement cost of your home, especially since we don't have a lot of new construction driving down average ages. For our local businesses, from Emi's Restaurant to Brehmer Manufacturing, robust commercial property, general liability, and even commercial auto coverage for vehicles on U.S. Route 77 are non-negotiable to protect their livelihoods and the jobs they provide.
Then there's the weather, which is a constant topic of conversation. We're no strangers to severe storms, particularly hail. With so many on-the-ground hail reports and Doppler detections, having a comprehensive homeowners policy with excellent roof coverage isn't a luxury; it's a necessity. You need to know your deductible and whether your policy covers actual cash value or replacement cost for your roof. On top of that, with the Missouri River not far off, and the First Street Foundation pointing out our measurable flood risk, standard home policies won't cut it for water from outside. Flood insurance, separate from your regular homeowners, is a critical layer of protection many here simply can't afford to be without.
Finally, considering the broader community, entities like the Nebraska Indian Community College contribute to the local fabric and also have significant insurance needs, from property to liability. For everyone in Lyons, whether you're working for the city, teaching at the school, farming the land, or running a local business, understanding your specific risks and ensuring you have tailored coverage is key to protecting what we've all worked so hard to build and maintain in our resilient Burt County home.
Population: 824 (2020)
Housing in Lyons
Most residents in Lyons, Nebraska own their homes. Specific details regarding the typical age, construction type (brick/frame/manufactured), presence of historic districts, or new subdivisions, and their implications for replacement cost/roof were not found in the available search results. (Source: https://www.niche.com/places-to-live/lyons-burt-ne/)
Major local employers & who's hiring
- City of Lyons — Government/Public Services Actively hiring
- Lyons-Decatur Northeast Schools — Education Actively hiring
- Brehmer Manufacturing Incorporated — Machinery Manufacturing Actively hiring
Local Lyons businesses
A few businesses that call Lyons home — independent of our agency.
- Emi's Restaurant — Restaurant
- Brehmer Mfg., Inc. — ag-commercial
- Save More Market — c-store
- Steiny's General Store — c-store
- Phillips 66 — c-store
- Dolezal Truck & Equipment Sales — trucking
- Sips N Co. — main-street
- Center For Rural Affairs — main-street
- Pelan Funeral Services Lyons — main-street
- Nebraska Screw Press — main-street
- Lyons City Hall — main-street
- Eagle International — main-street
Local landmarks & geography
- Missouri River — Lyons, NE is located west of the Missouri River, which poses a significant flood risk to properties in the vicinity.
- U.S. Route 77 — U.S. Route 77 runs through Lyons, NE. Proximity to a major highway can affect property value, noise levels, and potential for vehicle-related incidents.
- Nebraska Indian Community College — Located in Macy, NE (an adjacent community), this college can influence local population, rental markets, and economic activity in the broader area, including Lyons.
Local facts that shape your coverage
- The Lyons, NE area has had 4 reports of on-the-ground hail by trained spotters and has been under severe weather warnings 19 times during the past 12 months, with Doppler radar detecting hail on 88 occasions. — High
- As of the 2020 census, Lyons, Nebraska, had a population of 824. — Medium
- Burt County, Nebraska, where Lyons is located, regularly receives severe weather warnings, watches, and advisories from the NOAA National Weather Service. — High
- As of the 2020 census, Lyons, Nebraska had a population of 824. — Population size is a fundamental demographic fact influencing insurance market size and community risk profiles.
- Brehmer Manufacturing Incorporated, a key local employer, specializes in manufacturing farming equipment, fertilizer tenders, and hog equipment. — This details a major local industry, indicating a need for specialized commercial insurance, including property, liability, and potentially equipment breakdown or farm-related coverages.
Local figures compiled from public sources: en.wikipedia.org · interactivehailmaps.com · localconditions.com · linkedin.com · lyons.municipalimpact.com · lyonsdecaturschools.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.
Lyons, NE insurance — common questions
How much does insurance cost in Lyons, NE?
Rates in Lyons and Burt 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 Lyons?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Lyons and all of NE — home, auto, farm, business, life, and more.
Can I get a quote in Lyons 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.